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I disputed 7 installment accounts (????) on my Experian report, they were from unpaid parking tickets. After I disputed it it came back as valid and now I'm starting to see monthly updates indicating I'm 90+ past due. My question is why am I not seeing the effect on my credit report? They are not listed as negatives anywhere, nor as recent collection accounts or recent missed payments. Why is that? According to experian my dispute has already been completed, however I do see a remark that they are disputed. Also prior to dispute they were listed as closed/charged-off, now I'm showing them as 'open'.
COMPANY - - City Of -Redacted-
LOAN TYPE - - Unknown
ACCOUNT NUMBER - - XXXXXXX
ACCOUNT HOLDER - - Joint Account
DATE OPENED - - May, 2010
Status
STATUS DATE - - Oct, 2014
CONDITION - - Open
LAST ACTIVITY - - Not Available
BALANCE - - $95
STATUS - - Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department
Payment Timeline
LATE 30 DAYS - - 0 times
LATE 60 DAYS - - 0 times
LATE 90 PLUS DAYS - - 3 times (Oct 2014, Sep 2014, May 2011)
WORST DELINQUENCY - - Collection
HIGH BALANCE - - -
Terms and Remarks
TERMS - - 1 Month
SCHEDULED PAYMENT - - -
CREDIT LIMIT - - -
REMARKS - - Account Information Disputed By Consumer
The account you showed in your post is a collection account. it may be not sowing as recent due when it was open and the idspute may be why it is not showing as delinquent. no telling with some credit report formats.