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Ca reporting wrong. How do I tell them to correct or delete?

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nickdymez
Valued Member

Ca reporting wrong. How do I tell them to correct or delete?

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
Message 1 of 12
11 REPLIES 11
Anonymous
Not applicable

Re: Ca reporting wrong. How do I tell them to correct or delete?


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?

Message 2 of 12
nickdymez
Valued Member

Re: Ca reporting wrong. How do I tell them to correct or delete?

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    

                     
Account Status Closed        
Mo. Payment          
Past Due $0.00        
Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department        
High Balance           Limit           Terms 1 Month         Comments Account in dispute-reported by subscriber

 

 

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

Message Edited by nickdymez on 05-31-2009 10:35 AM
Message Edited by nickdymez on 05-31-2009 10:35 AM
Message 3 of 12
Anonymous
Not applicable

Re: Ca reporting wrong. How do I tell them to correct or delete?

Is this under the accounts section or collections section of your EQ report and myFICO report?
Message 4 of 12
nickdymez
Valued Member

Re: Ca reporting wrong. How do I tell them to correct or delete?

On myfico eq, its under accounts... myfico tu, its under collections.. eq website has it under negative accounts..
Message 5 of 12
Anonymous
Not applicable

Re: Ca reporting wrong. How do I tell them to correct or delete?


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?

Message 6 of 12
nickdymez
Valued Member

Re: Ca reporting wrong. How do I tell them to correct or delete?

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

Message 7 of 12
nickdymez
Valued Member

Re: Ca reporting wrong. How do I tell them to correct or delete?

bump
Message 8 of 12
palmbeachwife
Regular Contributor

Re: Ca reporting wrong. How do I tell them to correct or delete?

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?

1/19/09 EQ 595 TU 508 EX 579 FICO
7/1/09 EQ 659 TU myFICO 654 TU 671 EX 644
10/14/10 EQ 696 EX 710 TU 728 (Wachovia pulled scores)
11/1/10 EQ 705 EX 710 TU 728 (700 Club all around, yayyy!)
07/24/11 TU 735
5/21/12 EQ 704 EX 737 TU 722
Message 9 of 12
nickdymez
Valued Member

Re: Ca reporting wrong. How do I tell them to correct or delete?

I was reading somewhere on this forum that someone wrote a letter to the ca and they removed the tl.
Message 10 of 12
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