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Is this hurting us?

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Anonymous
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Is this hurting us?

Mortgage AccountMortgage Account Mortgage Status as of February 2005
Date opened [?] Apr, 1999 Date of last activity [?] Jun, 2004 Account number [?] X0209 Largest past balance [?] $119,816 Credit Type [?] Installment Account holder [?] Shared Scheduled payment amount [?] $1,329
Descriptions [?]
  • Real estate mortgage
  • Real estate mortgage

No contact information provided by Equifax

Balance [?] Current Status [?] Past Due Amount [?] $0 30 days past due $0 Seven year payment history [?] 30 days late 5 times (Jan 2004, May 2003, Apr 2003, Mar 2003, Feb 2003) 60 days late 2 times (Jan 2003) 90+ days late 0 times Recent payment history [?]30 Days Late30 Days Late30 Days Late30 Days LateOKOKOKOKOKOKOK30 Days LateOKOKOKOKOKOKOKOKOKOKOKOK 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2003 2004 2005 Legend: Current paid Currently paid as agreed 30 days late 30 days late

 

Current status is showing 30 days past due, is that correct reporting?

 
Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Is this hurting us?



myhearts07 wrote:
Mortgage AccountMortgage Account Mortgage Status as of February 2005
Date opened [?] Apr, 1999 Date of last activity [?] Jun, 2004 Account number [?] X0209 Largest past balance [?] $119,816 Credit Type [?] Installment Account holder [?] Shared Scheduled payment amount [?] $1,329
Descriptions [?]
  • Real estate mortgage
  • Real estate mortgage

No contact information provided by Equifax

Balance [?] Current Status [?] Past Due Amount [?] $0 30 days past due $0 Seven year payment history [?] 30 days late 5 times (Jan 2004, May 2003, Apr 2003, Mar 2003, Feb 2003) 60 days late 2 times (Jan 2003) 90+ days late 0 times Recent payment history [?]30 Days Late30 Days Late30 Days Late30 Days LateOKOKOKOKOKOKOK30 Days LateOKOKOKOKOKOKOKOKOKOKOKOK 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2003 2004 2005 Legend: Current paid Currently paid as agreed 30 days late 30 days late

 

Current status is showing 30 days past due, is that correct reporting?

 


From what I see your current status doesnot show 30 days past due.  If you are looking at the last line that is just the legend to tell what the colored boxes in the payment history mean.  Your 30 day past due says 0. 
 
Now are far as it hurting you the previous past dueswill affect your scores for 7 years after the date of delinquency
Message 2 of 4
Anonymous
Not applicable

Re: Is this hurting us?

I thought that as the account aged that only the last two years would really impact the fico score?  No?
Message 3 of 4
sl
Established Contributor

Re: Is this hurting us?

As times goes by, it hurts your score less and less, however, it stays on for 7 years.
Message 4 of 4
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