Okay, as you know I have one account that is still negatively affecting my score on Equifax. It reads: Previous Payment History: 4 Times 30 days late; 1 time 60 days late Previous Status: 01/97 -I2; 12/96 - I2 Paid Account/Zero Balance Now when I pull it up online, it says 30 days 12/96, 1/97 2 unknown 60 days 1 unknown I disputed this as never late along with several others. All others were deleted, and this one was updated to what you see above. They deleted a 90 day late that was unknown. I then disputed this again as never late several days ago, but suspect it won't be any more successful than the last attempt. I called today to at least try to get the unkowns removed and the lady I spoke with said it didn't matter that the date was unknown and I would have to talk to the bank about that. I asked her when the purge date was if the supposed late date was unknown and she said it was already disputed and there was nothing else she could do. I wasn't at my best in this conversation, so I said bye. I can't believe a couple of late pays are giving me such a hard time...after the things I've had corrected, THIS is what is going to remain on my report????? Threatening the bank is not something I'm willing to do, unfortunately. These people have known me since I was born and some of them used to work with my father. I just can't do it :::sigh::: That leaves going after the credit bureau. I'm just not sure of the tact I should take here and could use some input. Oh...wanted to add...I was thinking about sending a letter or faxing it to Equifax and saying if they don't have a date to remove the unknowns. I think I could live with the 20 30 day lates from 6 years ago, but I cannot live with the 3 unkown lates! Thanks! L
Have you wrote the FTC to get their opinion on this? Maybe if they saw that the FTC considers that incorrect reporting they will cooperate.
No, but that's a good idea. Thanks for responding love...I was starting to definately feel unloved around here...lol. L
((((((((((((((Whyspers))))))))))))))), Those are hugs to get rid of that unloved feeling. If they are reporting you late but have no date, that's not accurate and it can't be verified. Of bigger concern, if there are unknown dates, then those late pays will remain for at least as long as the tradeline does :-(. Soooooooo, using a mortgage as an example, 30 years that'll be on my report. But anything derogatory associated with it, like a late pay notation, should age off in 7 years. Without a date attached, it has nowhere to go. Sassy
I might if I have to, but would definately prefer not to. I guess its just the small town girl in me not willing to be the subject of this week's coffee breaks, yanno? Well, maybe you don't...lol. I would just prefer to handle it through the CRA if at all possible. L
I don't care *HOW* small your town is, ain't nobody gonna be talking about a request to remove a couple of 30 day lates from 1996 over lunch. Not unless you live in a David Lynch movie.
Uhm, thanks for the encouragement, but I know what I'm talking about in this instance, solzy and would just prefer alternatives. Like I said...as a last case, I'll make some phone calls. I don't live there anymore, so its not like I can get my boss to call down and get me a favor, yanno? L
Solzy, Have you *ever* lived in a small town? It has its drawbacks and one of them is everyone talks... if your DOG gets fixed, people dwell over it and your motives.
I never understood why anyone called it fixed. WRT Credit yes. Dogs no. Would you be "fixed" after similar surgery? I'd go with broken. Very broken.
Of bigger concern, if there are unknown dates, then those late pays will remain for at least as long as the tradeline does --------------------------sassyinaz How when Negs. can only be reported for 7 years???
Without a date attached, it has nowhere to go. Sassy ==================== Yes it do: If it's on there today an it were on there 6-10-94 that's 8 Yrs. So the 7 yrs.is up!
