Found this today after I pulled my report from myfico: There is evidence of a late payment on your file as recent as 10 months ago. Ok, so what is it? Wells Fargo Auto Charged Off - Paid DOLA June 2002 90+ days late: 2 6/2004 3/2004 How can I be late on a paid charge off? What to do now.....besides write a letter that nobody over at Equifax will comprehend.
I feel your pain - trust me. I have the same problem, with EQ on a paid CO with AMEX. First, they show the account type as "mortgage" and it was a corp card, and they have a "more than 120 days late" notation on it. I just disputed the mortgage part, and we'll see what happens. The goofs at EQ say "it's Amex's fault" the goofs at Amex say "it's EQ's fault"....uh..hello..there ~should~ be some type of reporting standard so all CRA's are consistant with their reporting...but it's obvious there isn't!
Did not mine, came back as verified. But I appreciate the response, I will await their insane explanation on how I've been recently late
You should see my Intent to Sue 'Sir. Me watch Law & Order. Me find woman's finger in my credit report. Me gonna by new BMW.' Respect, Chip You should really use that one.
I think I'm going to use that little words approach! I just got back my dispute results from my Amex phone dispute I did last week - boy do the move quick...I disputed the mortgage part...came back as verified, but still freaking showing "Current Status Over 120 Days Past Due" - UH NO - Current Status is PIF CLOSED! GRRRRRRR...How the hell can that be the current status - I'm going to change my login name to IH8Equifax! On a side note - I have 2 other disputes with EQ on the same tradeline...one is disputing the current status and the other is the letter from Amex confirming that I closed the account...I'll keep you posted! p.s. Did I mention that I HATE EQ??
ih8 - do a search. i think there was a thread that addressed the 120 day late status with Equifax. do you hate them as much as i hate capital one???
