+1. If you have the recipets of the payoff. Upload them to the CFPB. Along with copies of each CRA. If that doesnt work then grab a FRCA lawyer and a cool $1000 may be headed your way. Plus court cost and fees. Whata crock.
@Anonymous wrote:
@Anonymous wrote:Fifth third Bank has become the bane of my existence and I am looking for some help on how I can possibly fix this mess. They are reporting different data with every single bureau and are completely messing up my credit. I can't post an image so I will write up the data here:
On Experian, they have me as 30 days late 1 time on 09/2019 and OK for every other month since I got the loan in 2015.
On Equifax, they have me as 30 days late 1 time on 09/2019 and OK for every other month since I got the loan in 2015.
On Transunion, they have me marked 30 days late 9 times (04/2018, 08/2018, 09/2018, 10/2018, 11/2018, 01/2019, 07/2019, 08/2019, 09/2019) and although they NEVER marked me 60 days late, the note says the account was 60 days late.
The real annoying part is that I paid a lump sum of almost $15,000 to pay the account in full in 09/2019 and they did not consider that a monthly payment which is why they marked me 30 days late to begin with. The even more annoying part was the account was never marked as being late until I disputed the 09/2019 30 days late..the bank then came back and retroactively said "oh he was late these 9 times" as some sort of retaliation.
I have disputed this so many times that the bureaus are refusing to even let me dispute it again. Every bureau keeps looking at their records and saying "it's all verified as accurate" but nobody wants to look at all three and realize that is impossible that they are accurate if two bureaus show something on time for a month, while the third shows it 30 days late. ONE of them has to be wrong, right??? The bank also doesn't want to talk to me because I filed disputes.
If someone can give me some advice or if someone has had experience with this I would love the help!
The dangers of disputing. I would have gone directly to fifth third instead of disputing to start because of all the issues that come up with it. Did you send supporting documentation with your disputes? That is the thing, if they have more lates to tack on and you dispute, they do it. Hence the phrase around here of "don't poke the bear".
The 3Bs will definitely not do what the others do, they each do their own investigation and do not care about what the other bureaus report. I would definitely be happy they are "only" 30d lates instead of 60d+ lates because those can likely drag you down the entire 7 years score-wise. A single 30d late scoring penalty wise I believe drops off at around the 2 year mark.
From what you have put in your post, EQ and EX look identical.
What were you initially disputing that led to the additional lates being added? Was the lump sum in addition to a regular payment? Why was a lump sum due? Is this a loan payoff? Sorry, I do not know much about fifth third.
Hopefully others have some inight into the matter.
Good luck!
30's and 60's arent as bad as the rest. Little bit more reading may be at hand. @Anonymous nailed it.
@FireMedic1 wrote:
@Anonymous wrote:
@Anonymous wrote:Fifth third Bank has become the bane of my existence and I am looking for some help on how I can possibly fix this mess. They are reporting different data with every single bureau and are completely messing up my credit. I can't post an image so I will write up the data here:
On Experian, they have me as 30 days late 1 time on 09/2019 and OK for every other month since I got the loan in 2015.
On Equifax, they have me as 30 days late 1 time on 09/2019 and OK for every other month since I got the loan in 2015.
On Transunion, they have me marked 30 days late 9 times (04/2018, 08/2018, 09/2018, 10/2018, 11/2018, 01/2019, 07/2019, 08/2019, 09/2019) and although they NEVER marked me 60 days late, the note says the account was 60 days late.
The real annoying part is that I paid a lump sum of almost $15,000 to pay the account in full in 09/2019 and they did not consider that a monthly payment which is why they marked me 30 days late to begin with. The even more annoying part was the account was never marked as being late until I disputed the 09/2019 30 days late..the bank then came back and retroactively said "oh he was late these 9 times" as some sort of retaliation.
I have disputed this so many times that the bureaus are refusing to even let me dispute it again. Every bureau keeps looking at their records and saying "it's all verified as accurate" but nobody wants to look at all three and realize that is impossible that they are accurate if two bureaus show something on time for a month, while the third shows it 30 days late. ONE of them has to be wrong, right??? The bank also doesn't want to talk to me because I filed disputes.
If someone can give me some advice or if someone has had experience with this I would love the help!
The dangers of disputing. I would have gone directly to fifth third instead of disputing to start because of all the issues that come up with it. Did you send supporting documentation with your disputes? That is the thing, if they have more lates to tack on and you dispute, they do it. Hence the phrase around here of "don't poke the bear".
The 3Bs will definitely not do what the others do, they each do their own investigation and do not care about what the other bureaus report. I would definitely be happy they are "only" 30d lates instead of 60d+ lates because those can likely drag you down the entire 7 years score-wise. A single 30d late scoring penalty wise I believe drops off at around the 2 year mark.
From what you have put in your post, EQ and EX look identical.
What were you initially disputing that led to the additional lates being added? Was the lump sum in addition to a regular payment? Why was a lump sum due? Is this a loan payoff? Sorry, I do not know much about fifth third.
Hopefully others have some inight into the matter.
Good luck!
30's and 60's arent as bad as the rest. Little bit more reading may be at hand. @Anonymous nailed it.
@Anonymous @FireMedic1
I have done plenty of reading up, that is why I said "60d+". As from your chart, which I asked you kindly to post for reference, you can clearly see that 90d, 120d, 150d, and 180d have quite severe penalties. I also never claimed 30d lates sting for 7 years or are removed after 2 years, that is why I said "at least they are only 30d lates" and "A single 30d late scoring penalty-wise I believe drops off at around the 2 year mark". I dont believe I misspoke at all. He has 9 x 30d lates, they could have kept racking them up in time, even if it is not correct, because, well you know, creditors. Sigh. The number of lates can also be a factor, as this chart is about a singular lates and does not delve into multiples. So having multiple 60d lates certainly may be more painful than a singular 60d late.
Thanks!