Charge Offs In 2012 Reported Payments By CA In 2016

[Rebuild2019]

I have two CO from 2012 that show up in collections with payments in 2016. Can CA’s report payments that didn’t occur? It looks like I came back and made payments and then stopped making them. Both are Portfolio Recovery. Seems like that would really hurt your score.

Thanks

[Anonymous]

No and depending on the debt and your state, the SOL should have passed and it should be removed from your reports.  You'll need to get each CR and see what the dofd is listed as and then dispute from there. 

Good Luck.

[simplegirl]

Does it say FP because if it does that means failed to pay which does not necessarily mean you made payments they are just trying to get your attention before the account falls off. They have a right to report FP on an open account that still has a balance remaining. Unless you paid them they can still update those accounts for the 7.5 years until you do.

[RobertEG]

How does your collection show reporting of payments?

Under what heading?

[Rebuild2019]

Hello,

In the 24 month payment history it shows last payment 10/12 and then 2/14 and 3/14 of 2014 on this one. Sates statue of limitation is 3 yrs on CC and 5-yrs on written contract.

[Rebuild2019]

Hello,

No this is under payment history.

[Rebuild2019]

Between 10/2012 and 02/2014 everything is red. 2/2014 and 3/2014 is green showing a payment.

[GApeachy]

OP, look at the balance.  I had a $1 change in balance (2 months before co was due to fall off)  and under "Payment Status" it was changed to "Refinanced or Renewed".  I got my Equifax report from Annualcreditreport.com after Credit Karma congratulated me on bringing my balance down by $1.  Pull all of your reports from annualcreditreport.com if you haven't already.  Also, Credit Sesame (TU) sent me the same $1 pymt. notification as well.  So you can check everywhere I'm sure.

[Rebuild2019]

Thanks. I have not pulled the actual credit reports. I need to do that.

[GApeachy]

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@Rebuild2019 wrote:
Thanks. I have not pulled the actual credit reports. I need to do that.

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Yes, and one reason why is because those reports or at least (tu or EQ) shows the month/year it's due to be removed from your report.