I caught a Late 30 and 60 from college in 2021; they also reported the account twice in the same bureau, so it looks like 4 missed payments. Anyway, I have long since recovered with time, and its effect has slowly faded away. Now, this creditor recently went out of business as of October of last year. I checked my monthly FICO report, and the late payments from EQ and EX were removed completely. It sounds like they were using a 3rd party data furnisher and reporter. However, payments are still reporting on TransUnion. I have been fighting this forever, and I want it gone I know the easy way is to just wait it out like usual. However, with the creditor going under and out of business, is there a better now increased chance of it being removed through the dispute portal on TU? Anyone have similar experience ?
