When I look at my EQ report online, this account is shown under "closed accounts". This account is not closed.. it is my car and I pay it every month. I disputed it as not being closed and the results came back showing it under the "closed accounts" section still. As I am looking everything over on it, a couple things stand out to me and I wanted to get YOUR take on it. Looking at the "Date of Last Activity" it is showing 9/2011. But when you look at when the last payment was made it shows 2/2015. Then when I look at the payment history on the bottom, I do not see anything for this month (which they already reported that it was paid this month).
Am I getting too obsessed with this, or should I be disputing all of this? If I dispute and they correct it all, will it actually help my fico score?
I dont see anything wrong and the fact that it is in closed section when you look at it means nothing Fico will still pick it up as an open account and look at the history in figuring out the scoring for this TL. I would be writing GW letters to get those lates commuted and forget about the rest. One month behind in putting a good mark is sometimes used by the banks and there is nothing wrong in doing so.
@Anonymous wrote:Thank you! Do you suggest GW all the lates in 1 letter?
There is no set number one can go after in 1 shot, its up to you, what you feel comfortable with