It has flared up on my EXP report. I have been disputing that %&@# account since 2000 and with the demise of FCNB it just fell off of my report (scheduled to fall off 08/05). Well its back, probably because of my new mortgage and here is what it says Account # XXXXXXXXXXXXXXXX Account Type: Revolving Credit Limit: $1120 Min Mo Pymt: Date Opened: August 1996 Last Pymt Date: Not on record Date Closed: Loan Type: Credit Card, Terms REV Collateral Description: Account paid in full for less than the full balance Current Status: Account legally paid in full for less than the full balance Recent Payment History: 2004 Apr Ok/Unknown Creditnet experts: I need your help to zap this bugger once and for all. It is true that I settled the account. That was in early 2000 - way before I discovered this site. HELP! This baddy dropped my score down to 610! Lisa
hmmm, how does this sound? Incorrect Last Payment Date, in accordance with Johnson v. MBNA, I hereby demand that the data furinisher conclusively verify the Last Payment Date from their physical records, and not from a cursorary review of their computer systems.
You know the same thing just recently happen to me. I disputed this acc and it was deleted 07/04 but just in april they reinserted. So I know on experian it's showing as a positive tradeline. On trans it's negative and the dates have been changed and I am waiting for my new equifax report.
The only way I know of that a TL like this could drop your FICO 80 points is if it wa re-aged to look new, and I bet it was. Look at the bolded part. Now, if you were me you would be typing up a nice, juicy ITS letter and mailing it, giving them 20 days to BOTH remove it AND pay $1000 or we go to Court about it. 80 points is significant damages all by itself.
lbrown - i can't believe you didn't take the opportunity to comment on the herpes comment with something like "they have medication for that".... u losing your touch?
Re: Re: FCNB is like herpes... u losing your touch? ============== I thought about it but decided to let some one else have a chance at it .LOL
