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nickdymez wrote:
I already disputed. Arrow financial is reporting that my account is "seriously past due" Paid them back in feb of this year. I dont really know what to do next because i have already disputed and it came back verified. Any ideas?Message Edited by nickdymez on 05-31-2009 08:14 AM
Is that listed as "current status"?
Does it show a $0 balance or state paid anywhere?
Thanks again for the help sidewinder.. Here is what it looks like on freecreditreport:
Account Name ARROW FINANCIAL SERVIC
Account Type Collection Department / Agency / Attorney
Balance $0.00
Date Opened 10/1/2008
And this is what equifax is showing:
Account Owner: Individual Account.
High Credit: $723
Type of Account : Open Credit Limit: $0
Term Duration:
Terms Frequency:
Date Opened: 2008/10
Balance: $0
Date Reported: 05/2009
Amount Past Due: $0
Date of Last Payment: 03/2009
Actual Payment Amount: $0
Scheduled Payment Amount: $0
Date of Last Activity: N/A
Date Major Delinquency First Reported: 01/2009
Months Reviewed: 3
Creditor Classification:
Activity Description: N/A Charge Off Amount: $0 Deferred Payment Start Date: Balloon Payment Amount: $0 Balloon Payment Date: Date Closed: Type of Loan: Collection Agency/Attorney Date of First Delinquency: 03/2008 Comments: Consumer disputes this account information,
Collection account
And here is myfico:
Status as of [?] May, 2009 Date opened [?] Oct, 2008 Date of last activity [?] Mar, 2008 Date closed [?] Not Reported Account number [?] Not Reported Loan type [?] Not Reported Largest past balance [?] $723 Terms [?] Not Reported Account Type [?] Open Account Account holder [?] Individual Scheduled payment amount [?] $0
Balance [?] Current Status [?] Past Due Amount [?] $0 120+ days past due Not Reported
Thanks for the help
nickdymez wrote:
On myfico eq, its under accounts... myfico tu, its under collections.. eq website has it under negative accounts..
On your myFICO TU, does it state seriously past due/120+ days past due?
Here is myfico tu:
Collection agency [?] Arrow Fincl
Original balance [?] $723
Current balance [?] $0
Status [?] Not Reported
Date assigned [?] Oct 29, 2008
Date reported [?] Apr 01, 2009
Date last active [?] Not Reported
Date paid [?] Mar 09, 2009
Date closed [?] Feb 26, 2009
Original lender [?] Hsbc Card Services Iii Inc
Type of account [?] Not Reported
Account holder [?]
Individual Type of credit [?] Not Reported
Payment status [?] Not Reported
Largest past balance [?] Not Reported
Amount past due [?] Not Reported
Account descriptions [?] Not Reported
I am interested in how to handle this issue as well. Has anyone had any experience with a CA reporting in the accounts section? If so, did you dispute and were you successful?
Opinions, thoughts?