cancel
Showing results for 
Search instead for 
Did you mean: 

OC's not yet sent to CA

tag
jsantiago102
Valued Member

Re: OC's not yet sent to CA

OC is reporting as "Paid/ Never Late" on Experian.
They totally deleted from Transunion, and are showing as derog on Equifax.
The CA is still reporting on all 3.
Message 11 of 12
RobertEG
Legendary Contributor

Re: OC's not yet sent to CA

Then there is no exclusion of anything under the OC account.

Credit report exclusion applies only to the reporting of adverse information.  They have removed any derogs under the OC reporting.

The account will simply continue of record, showing no reported derogs.  The creditor is not required to report derogs so their reporting is not considered inaccurate.

 

The collection will have a credit report exclusion date of no later than 7 years plus 180 days from the reported DOFD.

They were required to have provided the DOFD to the CRA within 90 days after reporing thier collection, so the DOFD should be of record in your credit file.

If it is not shown in your commercial credit report, you should be able to get it from annualcreditreport.com.

 

Message 12 of 12
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.