CA deleted but no score change, why?

[momof2]

can someone answer please

BUMP. i still had 2 questions never answered

[bott6698]

I will try for you. Mods can correct me if I am wrong but this is what I think:

DOLA is the last  date they show a payment I would say and the date assigned is when it was assigned to a CA for non payment . So of course the DOLA is before the date assigned. 

[momof2]

date of last activity is listed in May 2004, no payment was ever made that month(may), if it was then this collection wouldnt be on my CR's in the 1st place cause may was the last month of our lease. and i am more curious about the date reported and date assigned

date assigned:7/1/2004

DATE REPORTED:7/1/2005

date of last acivity:5/2004

shouldnt the dates all match? same month and year?

also should i send the DV with my name and DH name or send a seprate one for DH?

[Anonymous]

To answer your question, NO the dates do NOT seem weird.  The date reported could have been yesterday.  That's just the date it was updated.  Now, given they have not been reporting for so long, [REMOVED].  If they have not been continually reporting, they may have just put away the files on it!

Message Edited by Timothy on 04-27-2008 06:30 PM

[bott6698]

Date assigned is when the CA got the account. Date reported is when they reported it to the credit reporting agencies.... I have had all kind of funky ones like this

[momof2]

stevie: thanks that better understands the last reported, bu the thing is 2 CR's show 7/2005 as dale of last activity while the other shows 9/2004, why would they update on 2 CRA in 7/05 but not the 3rd CRA?

[bott6698]

momof2 good question. It is because somone is not accurate. I have the same thing with a CO and a CA collecting that charge off. 1 report shows coming off june 2008 and the others show to come off october 2008. I have tried disputing but just comes back verified and furthern knocks me down so I gave up with worrying about the small difference in dates to protect my score as much as I could

[Anonymous]

Ok, now that is a good question.  Do you know what the actual DOLA is?  If it's really 7/05, then, don't try to change the one from 04!  LOL...If it should be showing 04, then, you should get the two that say 05 changed, and sue if they do not change them.

[Anonymous]

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bott6698 wrote:

sidewinder that's not correct. I had a ca removed and gained 30+ points and I still had 2 CA's remaining on EQ, and 1 on EX and TU...

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In all predictions of FICO score changes, the phrase "YMMV" always applies, and should be understood.

What sidewinder posted above is correct, as a general rule.  Your experience may have been different, but what sidewinder posted is still correct.

[momof2]

stevie-- i say the DOLA was 4/2004 cause that was the last month we paid rent, mid 4/2004 we moved back to cali the lease was up the next month may 2004. so if the other two are reporting for 2005 how do i get them to correct it to 2004? also can i also add my DHs name on the DV letter since it is on his CR too, or do i have to send a seprate Dv to the for him?