Hello,
Thought I'd ask if I could FICO gurus about this.
And I need to preface it by saying I had credit protection insurance on this account so this kind of thing wouldn't happen.
Oh well. So take a look at the 30 60 90 day late date.
I wasn't even born then. Does this constitute inaccurate reporting. All of the accounts are like that with weird dates.
As always your thoughts are appreciated.
Hello, I'm on their site.
Also I can't even dispute online at this point because:
When I try to dispute the credit, it tells me I don't have any even though the screenshot says I do.
When I try to dispute The collection accounts it says there are zero collection accounts.
Does this constitute inaccurate reporting.
Thank you for any and all responses.
Dont know what you mean by date of birth. Its 1 60 day late and 54 90 days lates. Try on a laptop or puter. What are you trying to dispute? Who's the OC? Try calling them and see if you qualified for the protection plan. Thats over 4 yrs of lates. Somethings off.
@virgo wrote:Hello,
Thought I'd ask if I could FICO gurus about this.
And I need to preface it by saying I had credit protection insurance on this account so this kind of thing wouldn't happen.
Oh well. So take a look at the 30 60 90 day late date.
I wasn't even born then. Does this constitute inaccurate reporting. All of the accounts are like that with weird dates.
As always your thoughts are appreciated.
The 30/60/90 day's late line isn't a date, this line is showing you had Zero 30 day lates, One 60 day's late and 54, 90-days late.
As far as your update about not being able to dispute, the screen you were on is for open accounts and this account in question is a closed account.
Unless you have proof of an error in reporting the dispute will come back verified. Having credit protection insurance requires certain events to occur before it pays and YOU are required to notify your creditor within a defined amount of time from the event (I've seen time frame to be 10-180 days from time of event, usually with a stipulation that the account must be current for insurance to be in effect).
Unfortunately, it is very unlikely you'll get the insurance to pay out or the creditor to make adjustments 4+ year's after you started missing payments.
@virgo no need to be sorry, we have all tried something when exhausted and misunderstood what we were seeing.
Not everyone knows how to read a credit report, so this misunderstanding and responses may help other's that are afraid to ask the question.