incorrect reported late payments

[Anonymous]

The creditor states they never reported my husbands account as late, but, EQ shows it as being 120+ days past due.  It states that this is hurting his credit score.  I disputed with a copy of the letter I got from the OC saying that it had never been past due.  The OC's letter is dated 11-06-07 and I mailed the dispute 11-10-07.  I got a letter from EQ dated 12-14-07 stating TL xxxxxx  acc # xxxx 10-01-07 THIS ACCOUNT IS CURRENTLY REPORTED AS PAID AS AGREED WITH NO LATE PAYMENTS.  (they have that in caps).  I just checked my husbands EQ today and it is still reporting as late.  What to do?  How long should it take them to correct this?  What should I do if they don't?  Tks Vicki

[Junejer]

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@Anonymous wrote:

The creditor states they never reported my husbands account as late, but, EQ shows it as being 120+ days past due.  It states that this is hurting his credit score.  I disputed with a copy of the letter I got from the OC saying that it had never been past due.  The OC's letter is dated 11-06-07 and I mailed the dispute 11-10-07.  I got a letter from EQ dated 12-14-07 stating TL xxxxxx  acc # xxxx 10-01-07 THIS ACCOUNT IS CURRENTLY REPORTED AS PAID AS AGREED WITH NO LATE PAYMENTS.  (they have that in caps).  I just checked my husbands EQ today and it is still reporting as late.  What to do?  How long should it take them to correct this?  What should I do if they don't?  Tks Vicki

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Send a copy of the CR that is showing 120 days pd, as well as their letter that states, THIS ACCOUNT IS CURRENTLY REPORTED AS PAID AS AGREED WITH NO LATE PAYMENTS, as well as the letter from the OC.  In fact, I would call them on the phone and ask to speak with a supervisor, as you have a mortgage pending and this erroneous reporting is killing you.  You should then obtain a name and fax number to whom to send it.