GEMB/Dillards Reporting. Is this right?

[Anonymous]

This is how an account is reporting on my fico report.  I feel like the 90+ lates are excessive as it would have been a charge-off at some point.  Also they show the status as transferred.  Does that mean they don't technically own it?  I disputed the account and they added 11 90+ day lates to this account.  Previously it only showed 10 90+.  

Charge Account Gemb/Dillards

Status as of  Jun, 2005

Date opened  Apr, 2002

Date of last activity  Jun, 2005

Date of last payment  May, 2004

Date closed Not Reported

Account number  XXXXXXXXXXXXXXXX

Loan type  Revolving Charge Account

Credit limit  $0

Largest past balance  Not Reported

Terms Not Reported

Account Type  Revolving

Account holder  Individual S

cheduled payment amount  Not Reported

Account status Account is Inactive

Descriptions

• Transferred to/purchased by another lender

No contact information provided by Experian

Balance Not Reported

Current Status  Account transferred to another office.

Past Due Amount  Not Reported

Seven year payment history

30 days late 1 time

60 days late 1 time

90+ days late 21 times (Feb 2005, Jan 2005, Dec 2004, Nov 2004, Nov 2004, Sep 2004, Aug 2004, Jul 2004, Jun 2004, May 2004, Apr 2004, Mar 2004, Feb 2004, Jan 2004, Dec 2003, Nov 2003, Sep 2003, Aug 2003, Jul 2003, Jun 2003, May 2003)

Worst Delinquency Charge Off, Collection, Or Bankruptcy

[Anonymous]

Based on this-

Chances are they sold the account Feb/March of 2005. 

If there are 10 or 21 90 day lates on the same account- makes no difference in scoring-  is is all about how severe and how recent-

Has CA or JDB contacted you or reporting?

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hgolf1848 wrote:

This is how an account is reporting on my fico report.  I feel like the 90+ lates are excessive as it would have been a charge-off at some point.  Also they show the status as transferred.  Does that mean they don't technically own it?  I disputed the account and they added 11 90+ day lates to this account.  Previously it only showed 10 90+.  

Charge Account Gemb/Dillards

Status as of  Jun, 2005

Date opened  Apr, 2002

Date of last activity  Jun, 2005

Date of last payment  May, 2004

Date closed Not Reported

Account number  XXXXXXXXXXXXXXXX

Loan type  Revolving Charge Account

Credit limit  $0

Largest past balance  Not Reported

Terms Not Reported

Account Type  Revolving

Account holder  Individual S

cheduled payment amount  Not Reported

Account status Account is Inactive

Descriptions

• Transferred to/purchased by another lender

No contact information provided by Experian

Balance Not Reported

Current Status  Account transferred to another office.

Past Due Amount  Not Reported

Seven year payment history

30 days late 1 time

60 days late 1 time

90+ days late 21 times (Feb 2005, Jan 2005, Dec 2004, Nov 2004, Nov 2004, Sep 2004, Aug 2004, Jul 2004, Jun 2004, May 2004, Apr 2004, Mar 2004, Feb 2004, Jan 2004, Dec 2003, Nov 2003, Sep 2003, Aug 2003, Jul 2003, Jun 2003, May 2003)

Worst Delinquency Charge Off, Collection, Or Bankruptcy

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[Anonymous]

It was settled with a CA and the CA is not reporting.  My actual experian report looks like this.  I guess I just hate that they now show 21 late payments when they just showed 11 earlier.  I was hoping they had done something wrong so I could try to get it deleted that way.  I guess not.  I will just keep trying to GW.  I have tried numerous times, but have been turned down.  I thought may be since they transferred to the other lender, they didn't own it and would have to delete.

GEMB/DILLARDS   
 Address:
 PO BOX 981430 
 EL PASO, TX 79998
 (800) 643-8278

Account Number: XXXXXXXXXXXXX....      

Address Identification Number:

Status:  Transferred,closed/Account charged off. $856 written off.  

Date Opened: 04/2002

Type: Revolving
Credit Limit: NA

Date of Status:  06/2005

Terms: NA

High Balance: $856

Reported Since: 04/2002

Monthly Payment: $0

Recent Balance: NA

Last Reported Date:  06/2005

Responsibility: Individual

Recent Payment: NA  
Creditor's Statement:  Purchased by another lender.  
 Account History:
 Charge Off as of Dec 2003 to Feb 2005, Jan 2003 to Oct 2003
 150 days as of Dec 2002
 120 days as of Nov 2002
 90 days as of Oct 2002
 60 days as of Sep 2002
 30 days as of Aug 2002

[pattycake]

GEMB is not unreasonable - I had them delete my lates, blaming it on a computer issue (kept trying to pay online and payments wouldn't go through).  Try GW, it is possible.