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Current payments reported as 120+ Late years later?

Member

Current payments reported as 120+ Late years later?

Hey guys I started working with a credit recovery service and they almost instantly got a few items removed from my credit history, but now it looks like some records on TransUnion and Equifax that were listed as current in 2014 are now listed as 120+ days late. Can they even do that?
Starting Scores: TU 628, XPN 556, EQF 598

Goal: 680 (achieved!)
Current Scores: TU 697, XPN 688, EQF 675
New goal: 720
Message 1 of 3
2 REPLIES
Community Leader
Legendary Contributor

Re: Current payments reported as 120+ Late years later?

Prior reporting can always be updated/corrected.

There is no time limit upon correcting prior reporting.

 

The issue is not whether they can change prior reporting from pays as agreed a delinquency, the issue is solely whether or not the account was in fact delinquent for the month/yr reported.

 

Was the account actually delinquent in the months now being reported in payment history as having been delinquent?

Message 2 of 3
Member

Re: Current payments reported as 120+ Late years later?

Been a few years, I honestly don't remember. I started a payment program in 2012 when my loans went delinquent, and as far as I know, I never had a late since. Especially since I had streamlined my mortgage, and the requirement was that you could have zero lates of any type in the prior 12 months. I refinanced in mid 2015, and at that time had no lates since late 2011 or early 2012.
Starting Scores: TU 628, XPN 556, EQF 598

Goal: 680 (achieved!)
Current Scores: TU 697, XPN 688, EQF 675
New goal: 720
Message 3 of 3