Quick question.....

[annakathleen]

This was paid. Can they continue to report the current status as 120+past due?

GEORGIA POWER
2500 Patrick Henry Pkwy
Bin # 80002
McDonough , GA-302534298
(877) 506-3903
Account Number: XXXX

Current Status: 120+ DAYS PAST
DUE
Account Owner: Individual Account. High Credit: $ 131
Type of Account : Open Credit Limit:
Term Duration: Terms Frequency: Single Payment
Loan
Date Opened: N/A Balance: $ 0
Date Reported: 07/14/2012 Amount Past Due:
Date of Last Payment: 06/2012 Actual Payment Amount: $ 51
Scheduled Payment Amount: Date of Last Activity: N/A
Date Major Delinquency First Reported: Months Reviewed: 1
Creditor Classification: Activity Description: Paid and Closed

[jadeite788]

Did you ask for a PFD?

[annakathleen]

I have not sent a letter yet.  DH was in the office yesterday on an unrelated matter and asked to speak with supervisor about it. She was less than helpful. She says it will continue to report that way because it WAS 120+ days late.  It has been paid already and a PFD won't work. Guess my question is do I have any leverage in the letter I write since it has been paid and is not "currently" 120+ late, it WAS 120+ late. Should I do a GW? 

[annakathleen]

Oh! No I did not ask for a PFD when we paid it, I wasn't on these boards then and wasn't knowledgeable about such a tactic!

[guiness56]

---

@annakathleen wrote:

This was paid. Can they continue to report the current status as 120+past due?

GEORGIA POWER
2500 Patrick Henry Pkwy
Bin # 80002
McDonough , GA-302534298
(877) 506-3903
Account Number: XXXX

Current Status: 120+ DAYS PAST
DUE
Account Owner: Individual Account. High Credit: $ 131
Type of Account : Open Credit Limit:
Term Duration: Terms Frequency: Single Payment
Loan
Date Opened: N/A Balance: $ 0
Date Reported: 07/14/2012 Amount Past Due:
Date of Last Payment: 06/2012 Actual Payment Amount: $ 51
Scheduled Payment Amount: Date of Last Activity: N/A
Date Major Delinquency First Reported: Months Reviewed: 1
Creditor Classification: Activity Description: Paid and Closed

---

No, it should not be reporting as currently 120 days past due.   Current status should be paid and closed.  Worst delinquency should show the 120 days past due.

[Shogun]

+1 guiness

[jadeite788]

+2 didn't catch that guiness.  I wonder if a GW would be sufficient.

[guiness56]

GW for what?  Removal of the account?

I would be careful how it is worded.  If you want the TL deleted I wouldn't mention the incorrect reporting right now.  That could prompt them to just update it correctly.

If they deny a GW deletion, then I would let them know they are reporting incorrectly and either fix it or delete it.

That's just my opinion.

[Shogun]

I like that idea.  Don't include anything about incorrect reporting, just a simple GW letter.  That way there wouldn't be any reason to throw it into dispute.

[annakathleen]

Thank you guiness...makes sense.  I will look at some sample GW's and send one off. I have seen many with PFD success, so perhaps I will have luck with GW. I will post the outcome.