wet9500 Posted July 21, 2005 Report Share Posted July 21, 2005 got a question just compairing old reports with new one's and just seen a big difference on a dell account that I got in march and one nowMarch reads Date Opened-11/2001date of last activity-03/2003date of last payment- 08/2003Date 1st major del. rptd-11/2003Date closed- nothing therecurrent status-- charged offCurrent Report after settled with collection agencyDate Opened-11/2001Date of last activity-11/2003date of last payment-03/2005Date 1st major del. rptd---nothing theredate closed-04/2005current status-- charged off wouldn't this be reaging would the date closed 04/2005 make fico think it's alot newer than it really is. I need some addresses of some CEO's at Dell they are about to get an ITS letter with copys of tradeline to back it up. Also How do I dispute this I really would like it for leverage to have this line removed from my credit reports. this one is Equifax but the exact same thing on Experian Link to comment Share on other sites More sharing options...
codename_fortyseven Posted July 21, 2005 Report Share Posted July 21, 2005 Not the date closed, but the date of last activity. They have it listed as 03/2003, but it changed to 11/2003. Did you make a payment in 11/2003? If not, how did this number magically change? Link to comment Share on other sites More sharing options...
pryan67 Posted July 21, 2005 Report Share Posted July 21, 2005 although the furnisher is REQUIRED to report the date of first major delinquency (and in the case of the second one, they don't have that) Link to comment Share on other sites More sharing options...
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