Question about tradeline dates

[iv]

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@Anonymous wrote:

Please excuse me if I use incorrect terms. 

I too too believe that I should be doing something about the 12/31/0000 date. Another CRA has the date listed as 12/31/1969. 10 years before I was born.  12/31 isn't close to any month/day combos of what I believe to be true. 

Between the date it supposedly started and the various overlap of pd vs unpaid I feel I should be doing something but I'm not sure what. Any insight you can provide I will appreciate. 

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Those dates indicate that your report has a blank/zero date for that entry.

Not to get overly geek-speak here, but many systems count time in seconds, starting at midnight, Jan 1st, 1970. (So zero/blank == 1970/1/1 12:00AM)

Once you apply US timezones (from UTC-5 to UTC-8) to that number, you get the 12/31/1969 date - 12/31/0000 would be a "half-smart" display system, that "knows" the date is missing/invalid, but still displays the month/day.

Mind you, in your case, if the bad tradeline open dates are actually being used in AAoA calculations... that'd be helping your score, if anything.  It's certainly not hurting anything, anyway.

[SouthJamaica]

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@Anonymous wrote:

History-I recently paid off my defaulted student loans. First date of delinquency was 2/2012. One of the tradelines (NYHESC-nelnet) is now reporting an open date of 12/31/0000 (TU) and 12/31/1969 (EQ)  and not listed on my EX report. Is this something I should dispute-as reporting incorrectly?  My fear is waking a sleeping bear. Once the default was paid in full 90% of the lates were changed to paid. 

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Mine too. I'd stay far away from it.