I have a PR on my record for 1998 state tax lien which up til this week just shows status date 04-2004, the am't of $508 and all other lines just showed "?" or not reported.
I'd truly not noticed before that it wasnt showing 'paid', and I read on this forum that unpaid pr's, collections, etc hurt worse.
Contacted the court clerk and was advised all they had in file was that it was released 04-04 but did not have a paid date, etc.
Contacted the State and agent advised the lien was paid 05-03 by an offset of refund(somehow I never noticed this!) but evidently didnt get reported correctly as 'paid'. He is notifying county and advises should report correctly to bureaus in about 4-6 weeks.
I also have had issue with EX and EQ both reporting erroneous status and payment dates (25+ 90 day lates during time I was paying off closed acct--previous reports from 04 and 05 showed "ok" each month and 'paying as agreed' for an old Providian acct, C/O as of 11-03. TU is the only one showing it correctly. Have disputed several times to know avail, just always comes back verified, so am having atty send ITS letter. I expect this to clear up the problem.
I feel sure the wrong status of the C/O is affecting my EQ and EX scores as they're both lower than TU. Also, I'm planning a refi and need both of these items to show correctly that they are paid.
I am also concerned that when both these issues, the PR and the CO update with corrected information, even though the new info is more favorable, that my score will be hurt as they'll be scored as more recent.
I'm planning a refi and need both of these items to show correctly that they are paid.
Has anybody had experience with this kind of issue?
I hope that the PR showing paid and the elimination of "bad debt/collection" status and 25+ 90 days lates reported thru 11-05 will offset new points for recent update, but I am really nervous!!!!
I'd love to hear any thoughts or advice!!!
FICOS: TU 732(05-16-16) EQ '08 739( 05-16-16) EX 737 (08-17-16)
