Ok so I finally pay off my car. I'm excited because I can now put the money I was using for the payment into my credit cards and lower my usage percent and raising my score---right? Well for some reason equifax didn't mark the account as closed. I know I should have left it alone, but it was bugging me so I disputed Account closed. Well it comes back as closed but like 9 times 30 days late 2 60's and a 90!!!! All unknown dates!!! Well I imidiately dispute and it comes back no past lates, but currently 30 days late!! With a $0 balance!! Well I figure this is an easy one to fix. They see 0 balance and realize I can't be late paying off nothing. Not so says the wise owl. I just got the update now all the lates are back and it still says 30 days past due. I'm sooooo pissed. I'm ready to sue. Do I have a case? If for nothing else extreme stupidity on their part. My fico went from 630 to 572. JSDKHFKJSDDKFJSDLFS (this is me screaming!) scott
Scott, At this point contact the creditor. The CRAs are about as inconsistent as they come. Do you have documentation that you were not late - cancelled checks, old statements, etc? The creditor will have better luck with fixing the problem, then any dispute with the CRA. Good luck. Dani
I agree with Dani Also.. after talking w/the OC. I would follow up in writing. This way you can get things taken care of faster.
