OH. No they dont talk to each other. 3 separate companies that do things in their own way. But why is there all green marks that led up to the CO on EQ is baffling. Shows no lates that would even lead to a CO. As we say. Dont poke the bear. Any movement WF could update all 3 and then it would be a triple whammy.
Know what. I'm going to ping @gdale6 . See what his take is on what you images say. It just doesnt make sense. He's been here since dinosaurs roamed the earth. He'll know.
That may help the boss explain it in more detail. That was nice of them. But did they sell it at auction and apply what was collected to the balance. You had it a long time.
@Anonymous wrote:@FireMedic1 the EQ is actually correct. It was a charge off. I went through some health stuff and had to let the car go. I don't know why I got lucky with TU and EX as well as with the payment history. So if I send it off, wouldn't I be taking the chance that TU and EX update to charged off and a balance?
Per the FCRA they are to update the other CRAs but it never is done for some reason or its ignored by other CRAs. I would settle the account so you get one more update to a 0 balance and then it can stop being updated and age back for Fico purposes.
@Anonymous wrote:@gdale6 thanks for the advice, but I cannot afford to settle that account at the moment. Being that as it may, I am assuming to just leave it alone and don't stir anything up?
Yup leave it if you cannot do anything right now. They may update them periodically as if they report they have to report accurate info so as interest and other things accrue they probably will increase the balance due.
Thanks @gdale6 . Thats what I figured. But this scenario doesnt up much here at all. Least I dont recall a situation like this one.