"current status" question

[Anonymous]

I have a couple of paid accounts that have the current status listed as 60 days past due. These are closed accounts with a $0 balance. But the current status is still showing late. Would this make a difference in my score? I have requested the companies to update, but have not seen any thing yet. I am not even sure it would make a difference since they are paid accounts.

[MidnightVoice]

Were they ever 60 days past due?  In the dim and distant past, AKA the last 7 years?

[Anonymous]

Yes they had been late, but they are paid now. I understand it will list them as being late on the payment history, I am have other accounts that I was late with and then paid and they are all listed "ok" under the "current status" or maybe "ok, was 30 days past due"

[tmjacks]

I have the same issue with one of my accounts that is paid in full, but the status says 120 days past due.  I called TransUnion on yesterday, but the person I spoke to had no clue what I was talking about.....

[Anonymous]

is it hurting you- yes

the biggest difference between "Current/OK" and the status you have is the "pays 60" will delete after 7 years DOFD.

Work with them to update the status -
Ask nice- they do not "have" to change this.

[Anonymous]

A goodwill letter or phone call to the OC should change that. I had the same thing happen and spoke (with a little groveling thrown in for good measure) to someone at the OC and they changed it from "XX days late" to "Paid/Pays as agreed". Just have to be nice and humble but firm...

BTW it was also a "closed and PIF account"

[Anonymous]

What if they account status says "pays as agreed", but there are obvious little yellow and red blocks indicating lates? 

[MidnightVoice]

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daytona18 wrote:

What if they account status says "pays as agreed", but there are obvious little yellow and red blocks indicating lates? 

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Those are "baddies" and stay on your account for 7 to 7.5 years from the DOFD

[Anonymous]

GRRRR....I thought I had something for a minute.  I was in total financial distress the entire time I was paying for my old vehicle.  My M-I-L had cancer and we were trying to basically run her household and mine with just 2 paychecks. What are my chances that I can get ALL of the lates deleted with a GW.  And, trust me when I say...there were several. 

[Anonymous]

Just keep sending letters, and be descriptive about circumstances.

Someone there has got to have a heart (hahaha) and you need to get the letter to that person.