Flat out ABSURD!

[RobertEG]

I would work hard with daily calls to the OC, and have them first verify the date of closing of the account.  You cant have monthly, posted lates on a closed account.

So any lates reported after closing of the account are clearly erroneous.  On top of that, you have evidence of payment of the debt prior to the dates of reported lates.  You cant be late of an account with no debt! Duh!

This makes their reporting doubly incorrect.  Any OC should recognize this blatant reporting error.  Talk to a supervisor.

If you get no where with them, then your recourse is to dispute with the CRAs, but as has been said, this will place the account, until the dispute is resolved, under disputed status.  This may harm any final approval by the mortgage lendor until the dispute is resolved.  Lendors of major chunks of cash dont like to make final commitments when your FICO status is unresolved.

Mortgage pre-approval letters are certainly very helpful in the home buying process, for they tell the potential seller that you have been pre-screened by a potential lendor, at some date, and have been considered as likely to qualify for final loan approval at the amounts specified.  But it is not a final and binding lending commitment.

[happy0510]

I went to the sites directly.  I got an email from EQ today stating they are still working on it...blahblahblah..

Yes, and all 3 show different late reporting dates.  It's so weird!!  After it was paid off boggles my mind.

I'll keep up with them. 

MY LO knows EVERYTHING....she put us through AU already as well. 

We will def. have to re-pull after 6-17-10 though no doubt about it.

I won't have her pull until this is resolved.

[happy0510]

Here's the reporting info on one:

Account History: 30 days past due as of Jun 2009, May 2009

Balance History: 10/2009 $0 09/2009 $0 08/2009 $0 07/2009 $0 06/2009 $0 05/2009 $0 04/2009 $0 03/2009 $0 02/2009 $0 01/2009 $0 12/2008 $0 11/2008 $0 10/2008 $0 09/2008 $0 08/2008 $0 07/2008 $0 06/2008 $0 05/2008 $0

[happy0510]

Results are in on one:

Experian -----------------> deleted

This is ok since it was opened at the same time with a whole bunch of other CC's.

It was also reporting the newest lates.  All the other's are 2 years old.

Waiting for TU & EQ results!!

[happy0510]

Equifax-------------> deleted

TU is lagging! 

Today is the 14th day since I disputed.

[Anonymous]

I wouldn't wait until your loan was completed. I would call Citi, ask for an Account Manager, and then tell them what happened. They have a Credit Dispute Department you can speak with about it, as well. They can affect changes to the report in less than 48 hours, if pushed. Also, I had some luck with an issue when I contacted the CitiBank Credit Card Executive Office. Their number is: 605-331-7267

[happy0510]

TU------------> deleted

Success!!

From start to finish 17 days for all 3 CRA to complete my online investigation.

Happy

[Anonymous]

Nice work happy0510.

So, I just noticed that it is, in fact, 05/10.  So, is this your month?    Or has someone already asked that? 

[happy0510]

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@Anonymous wrote:

Nice work happy0510.

So, I just noticed that it is, in fact, 05/10.  So, is this your month?    Or has someone already asked that? 

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Thanks Beam! Awwwwwwwe...now wouldn't that be nice? Actually my "month" is March 2011!! Which is also my "rebucket month"

Will be here  awhile! Lol

No relevance!!  I'm tempted to change it now