i am having issues with one creditor on my report. this is what it says. transunion closed 0 Balance 120 days late 0 past due date open 8/2002 date Reported 4/2006 Experian derogatory 0 balance foreclosed 0 past due opened 8/2002 date reported 5/2006 Equifax derogatory 0 balance 120 days past due 0 past due open 8/2002 date reported 8/2008 not sure what to dispute. i know the two say derogatory but i thought if it had a zero balance it was not derogatory. i thought it had to state it was closed. i am not sure where to go from here. i have tried to dispute that i did not agree with the accounting history and nothing changed... any sugestions is greatly apprieciated.
Write them and ask them point blank: If the balances are 0/zero why TF are you reporting these as derogatory Delete the word derogatory or I will be forced into reporting you, and possibly look into legal remedies.
It's reporting as derogatory because there was a 120 day late, even though there is currently a zero balance. Is the account still open, or has it been closed?
it should be a closed account we no longer have the house it has been sold and the account was paid in full.
Maybe the creditor is still reporting to TU but not the others. That's the date it was last reported, not delinquency date.
