equifax logic??

Discussion in 'Credit Talk' started by whatever, Aug 31, 2002.

  1. whatever

    whatever Well-Known Member

    On my EQ reports I have the following:

    DOLA: 4/1999
    Last report: 7/02
    Balance: $0
    Current Status: Pays account as agreed
    Past due amount: nothing listed
    7 year payment history:

    30 days late: 3
    7/1999 and 2 unknown dates

    60 days late: 3
    8/1999 and 2 unknown dates

    90+ days late: 1
    4/1999

    I pay as agreed, but have all this negative against me?

    Then this other account lists the following:
    DOLA: 1/1999
    description: account transferred or sold, collection account.

    Last report 8/02
    Balance: $0
    Current status: 120+ days past due

    7 year payment history:

    30 days late: 3
    3 unknown dates

    60 days late: 1
    1 unknown date

    90+ days late: 37
    34 unknown dates
    5/02
    6/02
    7/02

    How can an account be listed as 120+ days being an I-5, but further down be listed as a collection?
    What is EQ's logic behind all of this?
     

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