Try to make my questions from above post more succinct...sort of lost in all my verbage. What will hurt score the most... letting 90 day lates continue to show w/o dispute to avoid 'updating'.. or dispute, hopefully get the 90 days removed, but then have a recent (according to their updating report date)charge off? TU is only showing the charge off, so no dispute there. EX & EQ show the 90 lates after the CO was paid. And should I try to dipute direct to Providian? Would I get any better result?! This is where I'm confused because supposedly, (what I've been told), it's the bureaus that are considering a charge off as a 90 day late.....I'm just not sure why they do that after its been paid!
Message Edited by rom828 on 03-09-200804:16 PM
FICOS: TU 732(05-16-16) EQ '08 739( 05-16-16) EX 737 (08-17-16)