According to mycreditkeeper.com I have a new account that posted to my credit file Business Name CAP 1 BANK Date Opened 03/2002 Balance Date 08/2004 Balance Amount $0.00 Status Date 08/2004 Payment Status 5 This was from Experian so I believe a 5 is 150-179 Days pase due, but how can I have a past due account with a balance of 0 However this account was charged off 8/2003 on my Experian report then has been reported as Current for every month after that. Experian has it Charged off as of 7/2003 with No Data until 8/2004 where it is marked as current. Looking at the report I pulled 7/25 I see it listed as Charged off as bad debt then the payments I made show up as of 02/2004 for Experian. I think this accounf should not show as past due at all, what letter do you suggest I send and do I send to to Experian or Capital One
This was from Experian so I believe a 5 is 150-179 Days pase due, but how can I have a past due account with a balance of 0 ======================== Just cause you paid it down to zero did not erase or void the fact that one time you were past due. A-50-C
The verbal agreement was that they would reage the account and show it as being paid on time and thye did not do that
Re: Re: Cap1 Account Issue Yes I know I don't have a paper trail. I did everything verbally with all my OC's and now need to get myself out of this hole. It's Cap1 and the others that I paid off for less than full value with a verbal agreement that they would make it paid in full that are making it hard for me to improve my credit
Re: Re: Cap1 Account Issue Paid in full and never late are 2 different things...they are reporting paid in full, as they said they would, but now your problem is the lates...which will get better with time so really you could do 1 or 3 things... 1, dispute as never late and hope for the best...with the cra 2, try a good will letter 3, do nothing at let it age
