60 day late posted on 2 agencies (Equi/Trans) and not on Experian - ADVICE PLEASE!

[Anonymous]

I had a mortgage w/Washington Mutual in 2000 - that was an ARM - Neg Am - the monthly payment jumped over $2000 a month and I was forced to sell the property.

I informed WAMU that I was going to sell the property and that the escrow was 90 days. I was unable to make the full payment and continued to pay my regular payment on time while disputing the outrageous increase.

They initially reported a 60 day late - but then later reversed it.

My question is why does Trans and Equi still show it as 60 days and not Experian.

Should I inquire about this or am I apt to have Experian put it back on my report?

Any advice would be greatly appreciated.

[Anonymous]

do you have anything from the bank stating that they were going to remove the late report, or did they just do it? if you have a letter, then try disputing with the CRA's stating that the OC agreed to remove. If they did it on their own, you may consider writing a GW that inlcudes a thank you for the removal and a request to update the other 2. Any pro's want to weigh in?

[Anonymous]

Frankly, I just noticed it today - and it was so long ago I will have to check my file when I get home from work.

I believe they did it as a "courtesy" - not sure if I have a letter or worked with someone directly at the bank. But my file will detail that. Of course, if I have a letter I can just forward it to the other two agencies - but I am concerned that there is no letter then if I bring it up - it my go back on Experian.

[Anonymous]

I totally understand that. I'm in the same boat with a JUDGEMENT. It might be worth taking the chance, especially if it's older. Hopefully your files contain something that will help you nail it down. Good luck!!

[Anonymous]

How long ago is "so long ago?" You might want to leave it alone if it was more than 2 years ago, as it is not affecting your scores that much. AND... they might just update EX and put it on there. leave it be if it old.

[Anonymous]

It is from 2000 - but it looks like they put on it on the 2 reports in 2004.

[Anonymous]

Leave it alone. It is not affecting your scores that much, if at all.