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A few questions


hazard
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Hi Everyone,

 

I have a few questions which I can't seem to find the answers for, as I continue the repair process.

 

1. Why does the CRA list date last reported vs. date of last activity? As they CA can report every day to the present???

2. What does the CRA mean by updated when I was looking for verified?

3. I wrote pay for deletion letters and received no reply; what should my next step be?

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Hi Everyone,

 

I have a few questions which I can't seem to find the answers for, as I continue the repair process.

 

1. Why does the CRA list date last reported vs. date of last activity? As they CA can report every day to the present???

 

I believe the date last reported means the last time the TL information was actually updated or verified on your report and the last activity was when ANY action occurred regarding the TL such as when you made a payment, when it was charged off, changed CAs, etc. They can report it every day, but it doesn't change your 1st delinquency date, which is a separate field, and starts the "clock" for TLs rolling off of your report.

 

2. What does the CRA mean by updated when I was looking for verified?

 

Experian said this about updated status: "A change was made to this item; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you."

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