feedup Posted April 26, 2007 Report Share Posted April 26, 2007 Does anyone know why TU lists anywhere from 12 - 48 months of payment history?? I have more than 1 capital one account that was 60-90 days late in 2004. All of which was reported. On my last TU report - one of those accounts now only reports the last 12 months and is listed as an open account in good standing. (which isn't true - the account is closed) The second capital one account shows 48 months of history and is listed as negative and is also listed as an open account (which is not true).On what grounds can/should I dispute the negative listing? Link to comment Share on other sites More sharing options...
MadinKS Posted April 26, 2007 Report Share Posted April 26, 2007 On what grounds can/should I dispute the negative listing?Start with no knowledge of account. If it comes back verified, which Cap 1 keeps pretty good records from what I understand, then you get more specific. Something like disputing the payment history, status, or both. I would leave the other one alone though. If it's showing good, you definitely don't want to mess w/it. Your FICO will take a huge hit for deleting that. Link to comment Share on other sites More sharing options...
feedup Posted April 26, 2007 Author Report Share Posted April 26, 2007 What if the late payments were a direct result of the credit counseling company NOT paying according to the stated agreement? Link to comment Share on other sites More sharing options...
MadinKS Posted April 26, 2007 Report Share Posted April 26, 2007 You can try to dispute w/the CRA but it sounds more like an issue you need to take up with the CCCS. If they can write you a letter explaining the lates were their fault it would bode well for your case. Then you could just get Crap 1 to remove the negs. Worth a shot. Link to comment Share on other sites More sharing options...
feedup Posted April 26, 2007 Author Report Share Posted April 26, 2007 Unfortunately the CCCS is no longer in business, I terminated my agreement with them because they were not paying my creditors. I attempted to disputed their services the BBB, Attorney General, etc. but the owner of the company died and there is no forwarding info! Thus my credit nightmare! Link to comment Share on other sites More sharing options...
MadinKS Posted April 27, 2007 Report Share Posted April 27, 2007 Wow. What a stroke of bad luck. Well, I guess you're going it alone (kinda, you've got us). I guess the first step is to dispute the TL w/the CRAs and see what happens. Good luck. Link to comment Share on other sites More sharing options...
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