Fico Credit report?

I didn't know where to post this, so I just will post it here. On myfico credit report it lists an account that was included in my bankruptcy , it has under status the -last activity "September 2008" so does that mean from that date forward it starts towards the date that account should fall off?

Welcome to My fico Whats on file at the CRA is what the creditors are going to see, 3rd party puller errors are the norm for the industry. To have your BK only showing on one CRA is a great plus for you doesnt happen that way very often. I dont recommend disputing anything online and believe it should always be done by mail with a letter but since you have already done so its no biggie just dont open more than 1 dispute at a time or they get to add 15 days more to the normal 30 days time to investigate.

Similar Messages

Filing date of judgement is different from date listed on credit report.

So first, let me say that my judgement is due to fall off in April of next year. If it weren't for reading so many success stories and having many of my own (including an early deletion of the last paid collection account on Experian just yesterday) I might be willing to leave well enough alone. The problem is, the paid judgement is the last bad item on my report. I just called the circuit court where my judgement was filed because the dates seemed off. I have copies of the money orders that I sent to pay the judgement and all of them were AFTER the judgement file date listed on my credit reports. According to the clerk, my judgement was actually filed on January 12, 2009 not April 16, 2009. My question is, aren't civil judgements supposed to fall of 7 years from the filing date or is this the case of the 7 years 180 days I've heard about? Did my payments somehow reage the judgement? If the date is indeed wrong, what is my next course of action? If the judgement rightfully is due to fall of January of 2016 I am within the 6 month range for requesting good will early deletion from at least two of the CRA's, correct? I'd really like to buy a house next year at the best rate possible and my Fico scores are EX 709, TU 719, and EQ 721. I’m hoping this removal will help me get the best rate possible. Thanks in advance for any insights/ opinions given.

Thanks for the docketing info! I'll start the ball rolling on that Monday. Regardless, if I can get the dates changed or no,t it's good to know that I have a possiblity of getting early exclusion on judgements as well. From what I read on this forum you can get a judgement vacated if he was improperly served. You can request the service info from the court where the Judgement was placed. I, like Rebuilding, didn't show up for my court date because I assumed that being in contact and negotaiting payment was all I needed to do and judgement would be thrown out the window. Yeah I know, stupid. Wow, if my judgement falling off netted me 66 points I would keel over. It's my last baddie and the only bad thing on all three reports so my fingers are crossed. Experian is an interesting one. In my case, they seem to hang on to anything and everything. The other CA's dropped most of my stuff a few months early without me even having to request it. The only thing I had left was the judgement and one collection on Experian. I called them mid june to ask for early deletion of the collection( 2 months ealy) because I heard they would remove it 3 months early. They turned me down, but I was very polite and thanked them for their time when they told me to call back April 1. I called them July 1 and after being transfered once my collection was removd. The phone call took less than 5 minutes. It was due to fall of August 16 of this year. The number I called was 1-800-360-7580. Note this account was not my oldest account and it was shown as being in collections so I wasn't in danger of having my Aaofa taking a hit. Oh, one last thing. I don't think it's odd that one report had collections info that another doesn't. They not only differ in how long they keep stuff( my point about Experian having a collection nobody else had) I also think it depends on who the collector reports the info to I'll update if I get my judgement updated and EE. Otherwise Kaylavaand I will have our judgement removal day party April 16th of next year!

How should the new note & mortgage servicer report the loan on the credit report ?

History... Default on a modification to original note and mortgage with same lender/service provider that was made (the modification) after Chapter 7 bankruptcy discharge and never reaffirmed, no further monetary liability to signer on the note. After the modification default the loan is transferred to a new loan servicer. The trade lines continue to report CH7 status from the original loan service provider, closed account, 0 balance, etc. from the original servicer of the loan, nothing from the new servicer. A second modification is attempted via the new loan servicer and denied, After the modification denial, co-signer files CH 7. The signer on the note and mortgage quitclaims the property to co-signer. Then the foreclosure process starts with the new loan servicer and the new loan servicer places a new trade line on the signer's credit report showing foreclosure status, account open, late, account balance shown, etc. During the foreclosure process with the new loan servicer the co-signer files a CH 13, which is approved by the courts and the case is now closed. Regarding the signer of the note and mortgage, (not the co-signer), I thought the new loan servicer would have to report the loan on the credit report just as the prior original servicer did, CH7 status, closed account, 0 balance, etc. I’m trying to make sense of how this is supposed to be reporting from the new loan servicer for the signer of the note and mortgage who quitclaimed the property. Thanks

Localization does not change any of the data or text objects that you created on the report. It will change special fields and tooltips that are a part of the viewer. I believe it might also change the formatting of dates and numbers. Anything more than that is translation not localization.

Erroneous item on credit report from ATT account

I switched from Verizon to ATT. Then I subsequently joined my husband's account. ATT billed us for 1st account and we continually notified ATT. Then ATT had a collections agency contact us. We informed both collection agency and ATT. Our account is fully paid. 3 lines about $200 per month now for 7 months. We are not looking to leave ATT but we have had no luck removing the item from our credit report. The item is erroneous. ATT is literally impossible on this matter. Please do not tell us to call in--we already did dozens of times. Provide one person contact information who will immediately solve this problem.

Once it is sent to collections and on the credit report it is out of ATT hands.
Google how to dispute items on your credit report.
I am assuming your husband did an assumption of liability transferring your number onto his account. That should have been the end of it, so I'm not sure what they did wrong.

Bank of America and JPM Chase Agree to Erase Debts From Credit Reports After Bankruptcies

http://www.nytimes.com/2015/05/08/business/dealbook/bank-of-america-and-jpmorgan-chase-agree-to-erase-debts-from-credit-reports-after-bankruptcies.html?hp&action=click&pgtype=Homepage&module=first-column-region&region=top-news&WT.nav=top-news&_r=1 Two of the nation’s biggest banks will finally put to rest the zombies of consumer debt — bills that are still alive on credit reports although legally eliminated in bankruptcy — potentially providing relief to more than a million Americans.Bank of America and JPMorgan Chase have agreed to update borrowers’ credit reports within the next three months to reflect that the debts were extinguished.

gdale6 wrote:
http://www.nytimes.com/2015/05/08/business/dealbook/bank-of-america-and-jpmorgan-chase-agree-to-erase-debts-from-credit-reports-after-bankruptcies.html?hp&action=click&pgtype=Homepage&module=first-column-region&region=top-news&WT.nav=top-news&_r=1 Two of the nation’s biggest banks will finally put to rest the zombies of consumer debt — bills that are still alive on credit reports although legally eliminated in bankruptcy — potentially providing relief to more than a million Americans.Bank of America and JPMorgan Chase have agreed to update borrowers’ credit reports within the next three months to reflect that the debts were extinguished.From that NY Times article:Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of “past due” or “charged off.” - I had a bunch of those, showing 60-90-120 late & then CO (charge off) after filing, and some even showing CLS (closed) in 9/2010 when I filed, but then resumed late & CO reporting after that, mostly from Chase & Citi & the 1 BoA account. I disputed every one saying that reporting late after I filed was an attempt to collect a debt under automatic stay jurisdiction of a U.S. Federal BK Court. TU & EQ promptly cleaned them all up, while EX refused. As a result I get an "A" for payment history on TU & EQ with no lates, while I get an "F" on EX w/30 some lates. Hopefully this will get EX to clean up their act.

Name reporting on credit report

Hi guys I have a predicament and I would like some advice on the issue.As many Mexicans I have a really long name, and like such some problems are expected when reporting it. Everything started last year when I tried to apply for a Capital One secured credit card. The banker completely chopped my name even tho she copied it from my DL and SSC, I found that out after getting a rejection letter with my name misspelled, so that was a bust. In order to help me establish, my wife added me as an AU on one of her cards, (Capital One mind you) and basically spelled my name for the representative on the phone. A month later I tried to apply for the secured card again and was declined, this time I received the rejection letter with my full name. I then decided to just wait and concentrate on school. In January of 2015 I tried to request a free annual credit report and the site could not provide it. I ended up calling TU and requesting one over the phone. The report stated that 2 different names have been given under the same SSN. Like many Mexicans my name consist of Name -> Middle name -> Father's last name and Mother's last name. TU had me under my full name from the second application and the chopped one where the banker basically just used the first letter of my father's last name as my middle initial. I then got student loans that report under my full legal name because of my SSN. I know this cause in May I requested EQ's report and that's how it's listed. Later that month I applied with Discover and the representative told me to basically just pick a name and go with it, as that's what's commonly done in the U.S. She basically said to go by Name -> Middle initial and father's last name or else other credit cards will have a hard time finding my history. My wife ended up having to co-sign for me. What should I do? The student loans are reported under my full Mexican long name, yet Discover is only using the American version with just middle initial and father's last name which is the same my AU card has. Any thought or suggestions? Thanks.

UncleB wrote:
Buddy86 wrote:
Great info, thanks man. My two last names aren't hyphened and yes, I've encountered places that don't have two separate spaces for such last names. I'm intrigued when you mention split credit files. I recently ordered my EQ report and in it I have about 5 different names. The original full lenght as it appears on my SSC and DL, reported by my student loan servicer, my shortened one(the one I go by) with middle initial and paternal last name as reported by Discover and Capital One (AU) and 3 others being a mix of both. Maternal>Middle>Paternal and First>First initial>Paternal. I do get from time to time Capital One offers under such wrong, chopped or mispelled names. I've gotten offers from AmEx and Chase and they are addressed to the names reported by Discover and Capital One. My wife has suggested I send letters to the credit bureaus asking them to erase all other names and just keep the full one and the "American" version. But both my DL and SSC have the whole name, will they still honor that request?Thankfully, split credit files aren't as much of a 'thing' as they were around 10 years ago (when I had all my issues). Back then, even having a lot of accounts or an 'excessive' number of soft inquiries could cause a split file back then. I also used to have issues with my accounts reporting to my father's credit file, and vice-versa, due to our having the same last name, and my father's failure to use 'Sr.'. Thankfully, they seem to rely now more on the social security number, so it's been a while since I've had to deal with this. My own credit reports also have multiple names, including my full name, which I believe was reported many years ago when I had also had student loans. Here's what I currently have: First LastFirst Last JrFirst M. LastFirst M. Last JrFirst Middle Last Jr (also a couple of variations where my middle name is misspelled) So far, this has never caused me any issues. As far as if the credit bureaus will remove the extra ones, I'm honestly not sure, but it never hurts to ask, especially on the ones that aren't even correct (mangled spellings). A lot of people have 'aliases' on their bureau reports as well where the name is a variation, while not really being a truncated version (for example, William, goes by Bill; Margaret, goes by Peggy). Even last names change; women regularly change their last names when they marry (and some marry more than once over the years) so this is not a big deal, either. I have Hispanic relatives, so I'm familiar with the naming convention you're speaking of. The 'general consensus' is that usually you can use whatever you want when it comes to credit, but you really, really need to be consistent. I had a friend that on her driver's license had 'First Middle Maiden Married' - all of her names, so that no matter what it would be a variation of any paperwork she had. Her paycheck from work had 'First Married', while she still had old stock certificates that had 'First Maiden', and it even got more complicated since the name she was know to the world by was not her first name, but her middle. Just like you, having all of her names on her ID and official paperwork make things easier. If a clerk or bank teller ever asked for ID she was fine, because her ID had all the names covered. What you don't want is to have some credit accounts listed as 'First Last1', and other accounts listed as 'First Middle Last2', for example, since it's possible for these to be seen as different people, thus the split credit file issue. Ideally, as long as the SS# is always use this shouldn't be a problem anyway, but better safe than sorry. As an added 'perk', having the name match up should also help with 'insta-approvals'. If it were me, I would refrain from using my full middle name, and simply use the middle initial (or in my case, none at all) since there's usually no place to put a whole middle name on a credit application. As for your last name, consistency is the key. While I have read of folks having issues when a hyphen isn't used, there are plenty of times where it's no problem at all. If it were me, I would continue to use both last names as you currently are - after all, that's you! - and on the rare occasion where it's problematic simply drop down to one or the other, just always to the same one. Hope this helps! Thanks a lot for your advise.

Too many credit reports?

Over the last week or so, I've been repeatedly pulling my EQ report (pay for unlimited) to see when my CC payments / CLI post so I could app for a new card. I actually pulled my EX and TU by initiating a dispute to fix my last name & birthdate and was able to check those too. Admittedly, I did this a couple times over a few days to see when my corrections applied & when my CC payments / CLI posted. Now, when I tried to pull my EQ to see the effect of my CC app, they are saying "you already ordered that today" but I've never had this problem before always able to pull mutliple times a day. I tried to get my free credit report from TU and EX (annualcreditreport.com) and they are saying I can't view my report online and I have to mail in. Do you think I've pulled too many credit reports? I have credit monitoring with EQ and they haven't sent me any warnings of fraud so I don't think my CR have triggered a fraud flag. Is there a limit to how many CR can be pulled in a given time period? Do they freeze your reports? If so, how long does that last?

Dupe of http://ficoforums.myfico.com/t5/General-Credit-Topics/Can-you-pull-too-many-credit-reports/td-p/4145983

How do you know when items will fall off your credit reports?

Can anyone tell me how you know what date items will fall off your credit report? Thanks

Each individual type of adverse information has its own exclusion date. They are all set forth in FCRA 605(a). DOFD applies only to a collection or charge-off, which have an exclusion date of no later than 7 years plus 180 days from the DOFD.Monthly account delinquencies are excluded no later than 7 years from their individual dates of occurence.BKs are exluded at 7 or 10 years, depending upon their type.Tax liens become excluded no later than 7 years from date paid.Judgments become excluded on the later of 7 years from date entered, or until the expiration of the statute of limitations on enforceability of the judgment. The credit report exclusion periods are imposed on the CRAs, and set forth the date after which they can no longer include that adverse item in credit reportes they issue.The CRAs are thus required to monitor the relevant date for each type of adverse item. The consumer should no have to request exclusion or remind the CRA of the exclusion date, but it is possible that they could miss a date, so the consumer should monitor.

Mortgage not reporting on Credit Report. Good/Bad?

...or indifferent? My mortgage was sold by Bank of America to NationStar a couple of months ago. I just pulled my credit report for the first time in a while, and noticed that I technically have no mortgage reporting right now. It'll show my Bank of America Note as "Paid, balance $0) Nothing from NationStar just yet. I understand that it can take a while for a new Servicer to begin reporting to the credit beurues, so I'm not worried about it "missing." I know it'll be back on my reports in a matter of time. However, I don't know what my credit scores were before it was sold.... Should I expect a drop/rise in score once the mortgage starts to be reported again? Is my current score a temporary increase/decrease from my actual score(s)?

...or indifferent? My mortgage was sold by Bank of America to NationStar a couple of months ago. I just pulled my credit report for the first time in a while, and noticed that I technically have no mortgage reporting right now. It'll show my Bank of America Note as "Paid, balance $0) Nothing from NationStar just yet. I understand that it can take a while for a new Servicer to begin reporting to the credit beurues, so I'm not worried about it "missing." I know it'll be back on my reports in a matter of time. However, I don't know what my credit scores were before it was sold.... Should I expect a drop/rise in score once the mortgage starts to be reported again? Is my current score a temporary increase/decrease from my actual score(s)?

Banks Agree to Erase Debts From Credit Reports After Bankruptcies

FYI - "Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of “past due” or “charged off.”" http://www.nytimes.com/2015/05/08/business/dealbook/bank-of-america-and-jpmorgan-chase-agree-to-erase-debts-from-credit-reports-after-ban

It still doesn't work It says "page not found)

Credit report - need clarifications

Hi all,Newbie here, so I just pulled my credit report and below are my closed accounts. The only remaining item i need to pay off is the Midland Funding (in red). All the other accounts has ZERO balance (paid off). So my question are does the CHARGE-OFF status hurting my score, can it be deleted from the report, or do I have to wait for them to be deleted? I appreciate for any advice. Current Score: 624  Closed Accounts Account Name Account Number     Date Opened   Balance   Date Reported Past Due    Status Credit    Limit BANK OF AMERICA, N.A
   10/04/2007 $0    11/30/2012                        PAYS AS AGREED CAPITAL ONE / BEST B
   10/31/2000 $0     12/11/2013 CHARGE-OFF $1,800 CHASE BANK USA, NA
   07/18/2006 $0     01/18/2012                       CHARGE-OFF $2,500 CHASE BANK USA, NA
                                                          04/01/2001 $0    05/01/2011                        CHARGE-OFF $2,100 CHASE BANK USA, NA
                                                          02/01/2000 $0    03/01/2011                        CHARGE-OFF $1,700 MIDLAND FUNDING LLC
                                                          05/14/2012 $1,504           07/14/2015        $1,504 COLLECTION ACCOUNT PORTFOLIO RECOVERY A
02/28/2011 $0                    05/20/2014                      COLLECTION ACCOUNT SPRINGLEAF FIN SRVCS
                                                           05/01/2006 $0 02/01/2010    PAYS AS AGREED $3,200 SYNCB/CARE CREDIT
   06/01/2008 $0                    05/01/2011                      CHARGE-OFF $4,500
VERIZON WIRELESS/SOU
   12/27/2008 $0 06/30/2014    COLLECTION ACCOUNT

A reported charge-off becomes excluded no later than 7 years plus 180 days from the reported DOFD.To get it removed from your credit report earlier than its exclusion date will require obtaining a voluntary deletion by the creditor. Regarding the charge-offs that are showing $0 balance, an OC account must update to $0 if either the debt is paid OR they sell the delinquent debt.Thus, it is unclear as to whether the CO accounts showing $0 have actually been paid......?

Bk 7 filed, citi card IIB not on credit report

Ran a credit report and my citi card is no where to be found. Is this something to just ignore?

Citi appears to be one that just drops off... I had a personal loan with them that was IIB, and then when I filed, it was deleted from my report, never to be seen again.

Verizon reporting negative information on credit report

Your issue has been escalated to a Verizon agent. Before the agent can begin assisting you, they will need to collect further information from you.
Please go to your profile page for the forum, and look in the middle, right at the top where you will find an area titled "My Support Cases". You can reach your profile page by clicking on your name beside your post, or at the top left of this page underneath the title of the board.
Under “My Support Cases” you will find a link to the private board where you and the agent may exchange information. This should be checked on a frequent basis as the agent may be waiting for information from you before they can proceed with any actions.
To ensure you know when they have responded to you, at the top of your support case there is a drop down menu for support case options. Open that and choose "subscribe".
Please keep all correspondence regarding your issue in the private support portal.

I used to have a Verizon landline and had an excellent pay history with them as I currently do with Verizon Wireless. In 2010 I decided to cancel our landline service in favor of an additional cell phone with that same number. When I did this I received a "Final Bill" from Verizon and paid it as I always did, I also had a Verizon and Direct TV Bundle which meant I pay one bill for both services. After about a year I received a call from Verizon's collection agency in 04/2011 for money I still owed, I told them I paid the final bill. Apparently when you have a bundle with Direct TV some of it is billed ahead and this amount was due. I never received another bill from Verizon for this amount so I never knew. Once I spoke to collection agency I paid the remainder in 5/2011. For that last 4 years Verizon has placed a negative mark on my credit report that shows as "Serious delinquency" when creditors check your credit report. I feel this is extremely unfair and has affected my credit on at least 2-3 occurrences. I do not understand why Verizon can't see this was an honest mistake and remove the negative report. In fact since I paid it off in 05/2011 (right after I found out about it) why did they even report it in the first place in 06/2011? Please help me! I hear it takes 7-7.5 years to remove this from credit. This is so unfair and I have seen that I am not alone from posts on this forum. What can I do to get this removed so it no longer affects my credit rating? Thank you for any assistance.

Falsely Reported Delinquency to credit reporting agencies

Verizon FIOS has Falsely Reported Delinquency to credit reporting Agencies and now sending demand notices from collection agencies for a payment that is not due.
When I call to customer services they divert the call to Accounts department, then accounts department says no payment is due and transfer the call to credit reporting department , they say that not payment is pending but keep on sending demand notice from Enhanced Recovery Company for an amount which is not due to me. Verizon Fios has spoiled my credit history and harassing me for a payment that is not due in their books.
How to resolve this problem?

Hi InnocentSuffer,
Sorry you are having difficulty. An agent with access to your account will reach out to you directly by email, private message in the Forums and/or the billing telephone number on your Verizon account for more information or to help you resolve your issue.

Credit Reporting....Separte bills for one account?

I have been contacted by multiple collection agencies regarding a $27 dollar verizon charge that I have no previous record of. I recieved the first collection notice in May 2011 (Recievables Performance Management, LLC). The account number in question did not match my Verizon account so I requested debt validation from the agency (certified letter) and email and never recieved a response. I also contacted Verizon customer service at this same time asking for validation and the rep informed me that once the account is sent to collections, I would have to work through them for validation. The agency then sold the account to another agency (CBE Group) in June of 2011. I again said that the account number did not match my verizon number (the last number in the account was different) and formally requested data validation via certified mail and email and no response was given. I contacted CBE to follow-up on this and they now deny having any record of this collection in their system.
I am attempting to purchase a home and this issue is appearing on my credit report and severly damaging my score. I spoke to a verizon rept last night and she indicated that this $27 charge was a balance transfer from my intial activiation and that the different account numbers were actually the same account and the different numbers at the end represented different levels of the one account. She said this numbering of accounts should have been apparent to me and that the differnt numbers should not have been a concern. She said bills for the $27 were sent to me but when she listed the address it was a very old address. She said I should have updated my address. However, I did update my address as evidenced by the fact that my regular monthly bills for my service charges were being sent to the correct address. She also asked why I didn't pay the bill the first time I contacted Verizon in May--I was never given the option.   (As an aside, after I expressed sincere concern and extreme frustration about my ability to purchase my first home due to Verizon's billing practices, she asked me if I was interested in adding any additional lines or services, which I found a bit disturbing and contrary to common sense given the context of my call.)
If this is one account why did the $27 never show up on my regular bill or on my account when I accessed it online? If I have one account, why was I billed for different charges to different addresses?   I was paying my regular verizon bill each month, so how could I have known there was a separate bill going to an old address? When I activated my new phone I did it at the verizon store and the representative indicated that I had paid in full but this $27 dollar fee shows up months later via collections?
Out of frustration, I paid the $27 balance to Verizon yesterday to have the debt pulled back from collections and to change the status on my credit report to paid-- mortgages will not be processed within open disputes.   However, Verizon refuses to remove a credit entry once it is made.   I can't believe Verizon is willing to destroy my credit and my ability to secure a mortgage over this issue. I also am frustrated that Verizon says I have one account with them but when it comes to billing I miraculously have 2.   I have had no luck with Verizon customer service or contacting them via email so I am putting this here.   This has been the absolute worst experience with a company I have ever had....I want to terminate my contract but am afraid of what kind of unfair billing from Verizon would be next.

ShoyebAnsari wrote:
I sent an email to "[email protected]". I elaborated the entire problem with the date and time of recharge. I got reply within a day. If the problem is due to auto recharge, Skype team will definitely look into and provide full support. Though they returned my unauthorized transactions, the transaction is still not reflected in my CC statement. They told it will appear after 5-6 working day... Still 2 days to go. Lets see... Hope this reply would be helpful to you.
that email address is indeed correct. Yet, it is more advisable to use their webform as such will usually results to faster responses.
CONTACT SKYPE CUSTOMER SERVICE   |  HOW TO RECORD SKYPE VIDEO CALLS  | HOW TO HANDLE SUPICIOUS CALLS AND MESSAGES   |  WINDOWS PROBLEMS TROUBLESHOOTING   |  SKYPE DOWNLOAD LINKS
MORE TIPS, TRICKS AND UPDATES AT
skypefordummies.blogspot.com

Fico Credit report?

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