What's up with this?

Anonymous · ‎05-15-2008

I had some lates removed from Dillards and TU had no lates on it last month, then when I pulled a new report today and there are the lates again! What can I do about this? How can they be gone one month and then back on the next month?

Anonymous · ‎05-15-2008

It means the lates weren't permanently removed from the creditor's system.

Anonymous · ‎05-15-2008

I would say myFICO reports are WRONG....I have LOTS of lates showing...which are just not right..lates as recent as the last 3 months..and these are with collection...no lates on Truecredit...I just pulled my TU and EQ reports..and there are lates on there...it's WRONG...no MOD has been able to explain mine...and they can't blame is on EX now...since they so called don't have a good relationship with EX...

Anonymous · ‎05-15-2008

Shnapple wrote:
It means the lates weren't permanently removed from the creditor's system.

This has been the case more than once. Send GW, creditor removes lates from CRA but not from their system. So, when they report each month, it updates the whole account history. They will have to remove the lates from their system.

When a creditor reports, they aren't reporting just that month, or at least not some of them. It's like all the data is relayed each month and whatever changes need to be updated is what the CRA updates.