First it showed up as a closed negative account cause of "late payments" which were actually arrears.
DIVISION OF CHILD SUPPORT
| Account Number: | XXXX | Status: | PAYS AS AGREED |
| Account Owner: | Individual Account. | High Credit: | $0 |
| Type of Account : | Open | Credit Limit: | |
| Term Duration: | Terms Frequency: | Monthly (due every month) | |
| Date Opened: | 09/01/2005 | Balance: | $0 |
| Date Reported: | 06/01/2008 | Amount Past Due: | |
| Date of Last Payment: | 05/2008 | Actual Payment Amount: | |
| Scheduled Payment Amount: | $371 | Date of Last Activity: | 07/2006 |
| Date Major Delinquency First Reported: | Months Reviewed: | 22 | |
| Creditor Classification: | Activity Designator: | Paid and Closed | |
| Charge Off Amount: | Deferred Payment Start Date: | ||
| Balloon Payment Amount: | Balloon Payment Date: | ||
| Date Closed: | Type of Loan: | Family Support | |
| Date of First Delinquency: | N/A | ||
| Comments: |
81-Month Payment History
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| 2008 | 120 | 120 | * | 120 | 120 | |||||||
| 2007 | * | * | 120 | 120 | 120 | 120 | 120 | 120 | * | 120 | 120 | 120 |
Then I got an email today stating this
>>> We have researched the credit account. Account # - 346* The results are:
There is no historical account
information currently on this account. The prior paying history on this account has been updated. This creditor has
verified to OUR company that the current status is being reported correctly.
Then they updated the monthly amount to what I pay now, and I no longer see the late charges in the email they sent me. Im not sure what the heck is gong on.
Date Opened 9/11/2005
High Credit- $0
Credit Limit- $0
Terms Frequency- Monthly
Month Revd- 22
Items as of date reported- 11/11/2013
Balance Amount- $0
Amount Past Due-$0
Date of Last Payment- 11/2013
Actual Payment Amount- $0
Scheduled Payment Amout $487
Date of 1st Deliquency- (Nothing Under that)
Date of last activity 07/2006
Status- Pays as agreed
Type of Account- Open
Type of Loan- Family Support
Whose Account- Individual Account
Additional Information- Child/Family Support Obligation
guiness45, you my friend are correct, I just got off the phone with nice gentleman at Equifax, and he told me the account is no longer showing late payments, and is showing as a good standing account, I asked about removing it and what the process would be, he said I would need to dispute removal at this point, but he did mention that I should just leave it, since its not showing any late payments and its showing current and itll be a positive tradeline.
WOOT WOOT. on a roll, I just got a letter from the CA for my Medical stating they have been instructed by the dentist to REMOVE the account from all Credit Bureaus, and then I got this confirmation stating that I no longer have any late payments, this is a great week, I tell you.
My next question is, when should I pull my reports, to confirm this stuff???
This is what TU shows, I have a feeling I should dispute to show current information, or should I just leave it as is.
Condition- Paid
Current Balance- $0
Original Balance- $0
Limit- $0
Monthly Payment- $0
Last Payment-11/01/13
Term-0
Loan Type- Family Support
Date Opened 9/07/2005
Reported- 11/01/2013
Remarks- Closed
Payment Status- Ok
Past Due Amount- $0
Late Payment History (7 Years)
30 Day-0
60 Day-0
90 Day-0
I pulled it from my TU account real quick, and it does not say anything negative, or show anything negative, but it does not show any amount I pay per month, and under remarks it states closed, but it showed my last payment was 11/01/13.
Im going to pull all 3 reports towards the end of November Early December cause I want to apply for the Chase Marriot.
Positive is good, run with it!
Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
New goal 675