duck1098 Posted September 11, 2013 Report Share Posted September 11, 2013 I disputed this last month and after they updated it, it looks like on experian its showing as a recent delinquency. On EQ and TU looks normal. Am I wrong? Last payment was 05/09 EQ: And TU: Link to comment Share on other sites More sharing options...
willingtocope Posted September 11, 2013 Report Share Posted September 11, 2013 I'm gonna go with...Balance $0, Sold to another lender, Last Payment $65 trumps everything. What I'm seeing is they've sold it to a JDB for $65. Nothing else really matters. (Oh, and although they're not actually reporting the DOFD (Date of first delinquency) their chart at bottom does indicate it was 30 days past due in 6/2009). Link to comment Share on other sites More sharing options...
duck1098 Posted September 11, 2013 Author Report Share Posted September 11, 2013 So I shouldnt worry about Experian showing the 180 days late for August? Link to comment Share on other sites More sharing options...
willingtocope Posted September 11, 2013 Report Share Posted September 11, 2013 Part of the intentional confusion that the CRAs have built into thier reporting systems... "Days Late" is both an event and a status. Once an account goes 180 days late (the event), its status becomes 180 days late forever...basically, all they're saying is that it hasn't been payed in quite a while. So...right...its bad...and nothing you can do will change it, so don't worry about it. Link to comment Share on other sites More sharing options...
admin Posted September 12, 2013 Report Share Posted September 12, 2013 So I shouldnt worry about Experian showing the 180 days late for August?@duck1098 - Nope. Link to comment Share on other sites More sharing options...
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