I have had a chance to pull my credit reports a few times and I have questions about some of the info. For one when there is a report date, that seems to change with the credit reports, does that mean they are updating information? One thing I noticed is that Arrow has pulled my credit recently. But a different office listing this time. Also the main account I have with them has now gone up in price. I am assuming they are adding more fees? Another thing is that is it common for the "big three" to differing amounts or dates listed for things? The funniest thing is on the new report, there is a brand new date for when the account was opened. Two of the three are still the same, but now Equifax is listing the account as opening three years before I was born. It just seemed kind of odd.. Also is the charge off date considered the the closing date of the account if there is not a specific date listed?
Everything you've asked you've already answered yourself. However, the closing date has nothing to do with a charge off date. What you need to determine is the date that the account went 30 days past due and were never brought back current; i.e. date of status/date of major first delinquency. As you have already ascertained, there is little by way of "accuracy" amongst the credit reporting agencies or furnishers of information themselves. Accordingly, begin disputing.
I really love it when you answer my questions!!!! I have to say that I have learned now how I should have been handling my credit all along.... I have made so many mistakes, and hopefully will be able to get back on track. Thankyou!!!!
