Tradeline Obsolete Help ???

[TheMigs]

Okay so I'm having an issue with TD Auto Finance/Chrsyler with a Tradeline that should be obsolete but is still reporting on all 3.

Experian (Report Status Details) : This account is scheduled to continue on record until Nov 2013. DOFD - 11/2006 . Reporting as TD auto finance/Chrysler This account is still reporting and I'm in the process of disputing.

 

Equifax (a totally different story ) : DOFD - 08/2007. Scheduled to continue on record until 08/2014. Reporting as TD auto finance I don't understand why the date of first delinquency is almost 2 years off. The 81 month payment history has changed since October. My October credit report payment history showed a 60 Day late in December , no other payments made until Repossion, so I assumed that would make my DOFD 12/2006 but not according to Equifax.

 

Experian (almost the same as Equifax) DOFD 7/2007 - Estimated month and year that this item will be removed: 07/2014. Reporting as Chrysler. No other information provided .

 

 

My question to you guys is how can all 3 reporting agency be reporting different information? Each CRA is also reporting a different address and phone number for the Debitor.....It doesn't make sense to me. I'm in the process of disputing Experian, their report clearly states the tradeline should have been removed in Novemeber, could TD/Chrysler change this on me and extend the reporting period? if this drops off do you guys think the rest will follow suit or will I have to battle the other two guys as well ? Ahhhh I'm ready to move on, this is frusterating, I've done my time now let me walk! I want to buy a house next spring and this is the last piece of the puzzle! Any insight you guys provide is of course appreciated!!!

[chugs102]

Different CRAs will report different information from time to time. Just the nature of the business.

 

If those tradelines are obsolete, dispute them. Call them up.

[mindcrime]

If you had subsequent on-time payments on this account, it will actually convert to a postive TL when commencent date goes past 7YRs.