Can anyone tell me if this counts. My worst derog has this showing and if I could use anything to get Eq to remove I would be happy. It states: Creditor Previous Payment History: 20 times 90+ days late Previous Status: 05/02 - I5, 4/02 - I5; 3/97 - I9 Defaulted loan-claim filed against guarantor I have 4 of these loans showing each for a different semester. If I could get these off. Can we say WOW. Every dispute to get these off has come back verified. Can anyone help a newbie out, George, Marci, Nana, Doc, LKH anyone HOlla at your boy
In your NEXT letter...tell them you DIDN'T even use the card during those "UNKNOWN DATES"...so there is NO way you could have been late with NO BILL!!!
They were mortgage payments. The flip side is that by some fluke of the system, which I went over in a previous thread, I believe the mortgage co. is deleted the tradeline entirely. EX has already deleted it completely. Thank God.
I mailed the payments one week or more before the due date...HOW SLOW CAN THE POST OFFICE BE??? 1876---->STAGE-COACH DAYS DIDN'T TAKE THAT LONG!!!
1*But just think of how many MILLIONS of consumers don't know about the FCRA and their consumer rights. 2*It's downright scary... B-Down ================ 1* That's the plan, How'd you guess? ^~^ 2* Sure is
1*Mailing a payment 7 days B 4 due date is risky business and asking for trouble. Even if the post office by shear luck got it to them B4 the due date the creditor would most likely drag their feet in posting it and there you go it's late. 2*It depends on the amount of postage. The more it cost to mail it the longer they take, LB 59
Very interesting topic. According to my FICO, score power report, the number 1 reason for my DH's score is "The time since your most recent past due payment is too recent or UNKNOWN". He has no recent lates only unknowns!
Re: Re: Equifax and the unknown late date Actually, why the account deletes when you provide valid information is another part of the verification section... Under Section 611(a)(5) is the section where they have to contact the OC for the dispute and provide them with what you provided them along with the request. Under Section 611(a)(8) is a deletion within 3 days provision to allow for automatic updating when they are presented with valid proof along with the dispute. I stumbled on this when I was writing my request to delete the account that I've been 'disputing' for over a year, and the OC never marked it as disputed, nor updated the tradeline when the presidents office finally 'realized' that they had been reporting unverifiable information.
