Can someone look at this tradeline and tell me if they renewed the DOLA?

[duck1098]

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:

 

[willingtocope]

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).

[duck1098]

So I shouldnt worry about Experian showing the 180 days late for August?

[willingtocope]

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.

[admin]

So I shouldnt worry about Experian showing the 180 days late for August?

@duck1098 - Nope.