650 score to 555 due to "Reporting Date" ????

[llecs]

Send a GW.

[dlbomber1]

What will I ask for in the GW i had already launched a few asking for removal with no response and when I did get a response it was generic from experian saying they wont verify it. Do I ask for a change in reporting status?

[llecs]

GWs always go to whomever is reporting (you mentioned "collections" so I assume it is a CA that is reporting). Ask them if they wouldn't mind deleting.

[AndySoCal]

Most loan officers are not good on credit issues. If you do not mind, what was it that was being disputed ? I would also agree the GW letter is about your best option you cannot undue the update.

[dlbomber1]

There was a Paid charged off Credit Card HSBC from 2005 with the wrong balance in which was disputed  because although it said paid it still showed a balance. An obvious mistake. They fixed the issue yet they updated the reporting date and now it looks like I just got this deragatory mark on my credit recently within the last month.  I will try the good will letter but I think its unbelievable that underwriters nor mortgage agents are aware of this.