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Pardon my ignorance but I only know of Transunion, Equifax, and Experian. Who is the fourth? Is there a way to get a free paper copy or do I need to purchase them directly from the credit bureaus. Thanks for your advice. Very helpful. Sent from my iPhone using Tapatalk

It’s reporting 30-59 days late. So I’m still confused. Sent from my iPhone using Tapatalk

The middle of 2015. I don’t remember the exact date. July or August for most of them. Sent from my iPhone using Tapatalk

I know they can report that. But can it stay on for 8-9 years past the DOFD? Sent from my iPhone using Tapatalk

Online Sent from my iPhone using Tapatalk

That’s what I thought. Should I protest with the collection agency or the credit bureau? Sent from my iPhone using Tapatalk

I have credit cards I defaulted on and were charged off in 2015. Then we’re subsequently sold to collection agencies. The collection agencies are showing them first reported various dates in 2016 and that they won’t drop off until 2023. Shouldn’t they come off in 2022 since that’s when they were last delinquent? Sent from my iPhone using Tapatalk

I thought this was where people could come to learn and ask for help. If we were all perfect there wouldn’t be a need for this board. Sent from my iPhone using Tapatalk

I’m in Texas. I’m honestly not sure if I would have to pay it when I sell the current property. But fairly sure I can’t get a new mortgage without settling or be in the process of paying toward settling it. Sent from my iPhone using Tapatalk

No lien attached to the property we’re in now. Sent from my iPhone using Tapatalk

??? Sent from my iPhone using Tapatalk

They haven’t responded to that inquiry yet. Sent from my iPhone using Tapatalk

I paid it online at the mortgage company’s website on 2/28, including the late fee for not paying by the 15th. It looks like they applied it on 3/1. But that’s still not 30 days. Sent from my iPhone using Tapatalk

I thought I needed to settle the ones that have turned into judgements in order to sell my house and buy a new one though. Sent from my iPhone using Tapatalk

Yes. I have proof. They send a confirmation anytime you make an online payment and I have my bank statement. And the next months mortgage statement. Sent from my iPhone using Tapatalk