About 2 weeks ago, I decided to do some CR cleaning up. I found under my "negative" reports, there were 5 creditors who all reported me as having a zero balance and paid as agreed/paid in full. However, all 5 creditors last reported this a couple of years ago.
I sent a letter to each creditor asking to remove the entries given that they carry a zero bal, paid in full, and most importantly- last reported date was years ago.
Yesterday, on my score watch I got this message. Can someone help me in explaining what this would mean to my overall score even though, my score as not yet changed to reflect this update?
The following changes were reported for your WELLS FARGO EQUITY RESOURC account:- Past Due Amount Changed from $0 to N/A
If you can't do it right the first time, then maybe skydiving isn't your thing
I'm no expert on this as I do not subscribe to ScoreWatch, but it seems to me that the ccc took your letter to be a dispute of some sort, and they were reporting correctly. It's just that they did not update.
I'm sure others will chime in shortly with their opinion.