I have caught up a bill that was over 120 past due. Equifax has updated the past due amount to zero but have not updated the status. It is still showing as 120+ days past due with a $0 balance past due. I made the June payment on time. What is the disconnect? Is it Equifax or the creditor?
CH13 BK discharged 4/17 Starting Scores 4/17 EQ 579 TU 502 EX 504 9/17 EQ 662 TU 640 EX 670
NC SECU/$1,500, Lowe's/$1,000, Capital One QS/$750
It is open. It is actually a mortgage. I got a loan modification, so I was brought current and have started making payments but the baddies from before are "killing" me.
CH13 BK discharged 4/17 Starting Scores 4/17 EQ 579 TU 502 EX 504 9/17 EQ 662 TU 640 EX 670
NC SECU/$1,500, Lowe's/$1,000, Capital One QS/$750
I am completely caught up. No past due balance or anything. They modified the loan, brought the account current, and removed all late fees from my account.
CH13 BK discharged 4/17 Starting Scores 4/17 EQ 579 TU 502 EX 504 9/17 EQ 662 TU 640 EX 670
NC SECU/$1,500, Lowe's/$1,000, Capital One QS/$750
In June. I have paid June and July's mortgage on time. No, I hadn't asked them if they would remove them but since the loan was modified, I was hoping the baddies would go away. But even still, EQ is still showing 120+ days past due for June and July and that is definitely not true.
CH13 BK discharged 4/17 Starting Scores 4/17 EQ 579 TU 502 EX 504 9/17 EQ 662 TU 640 EX 670
NC SECU/$1,500, Lowe's/$1,000, Capital One QS/$750
I wouldn't think the lates that occured PRIOR to the payment plan being made would be removed unless you specifically asked and agreed, but I would think the June & July payments would show as on-time, but maybe with a note that you are in a payment plan.
It is reporting correctly. They are not saying you are currently past due, hence the 0 past due balance. But your worst delinquency was 120 past due and that will not change until those lates drop off your CR.