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coffeeintheam

One bad account on credit

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HELLO everyone it has been so long since I have posted. I have one derogatory line on my credit and I really do not know what it is. Can someone direct me are send me a letter to dispute this please.

 

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Who is the data furnisher? Credit card, installment loan, collection account, judgement, lien, what kind of account is giving you problems?

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Who is the data furnisher? Credit card, installment loan, collection account, judgement, lien, what kind of account is giving you problems?

Sent from my SM-N950U using Tapatalk on a beach far far away.


Revolving credit card

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Are you saying that the TL that is reporting is an account you have never had?
Its my son account but its showing 60 days late the account was open 2010 and closed 2013 but it was never 60 days late just once 30 days its with wells fargo

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Hi coffee.

 

Do you have any records of the amounts due and paid?

 

It seems that specific details would be the foundation of any successful dispute with a reporting bank/ original creditor.

 

The good news is that it will be gone in 27 months or less, and it's impact is continually diminishing.

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Although anything's possible I would gather the account actually went 60 DL and it's reporting correctly. If you pay something but still less than the minimum it's still late. 

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The account was paid in full and is closed

Hi coffee.
 
Do you have any records of the amounts due and paid?
 
It seems that specific details would be the foundation of any successful dispute with a reporting bank/ original creditor.
 
The good news is that it will be gone in 27 months or less, and it's impact is continually diminishing.


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Hi coffee.
 
Do you have any records of the amounts due and paid?
 
It seems that specific details would be the foundation of any successful dispute with a reporting bank/ original creditor.
 
The good news is that it will be gone in 27 months or less, and it's impact is continually diminishing.
Mec the last month this account was reported was feb 2013 so should it be off

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9 hours ago, coffeeintheam said:

Mec the last month this account was reported was feb 2013 so should it be off

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Accounts last for 10 years. Lates last for 7. If it was last reported in 2013, then the account will be on until 2023(ish). The late will fall off 7 years from the date it was reported. If it was late in 2013, then it will fall off in 2020.

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Accounts last for 10 years. Lates last for 7. If it was last reported in 2013, then the account will be on until 2023(ish). The late will fall off 7 years from the date it was reported. If it was late in 2013, then it will fall off in 2020.
Thank you I will start taking notes again its been a min thank you

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22 hours ago, cv91915 said:

Are you saying that the TL that is reporting is an account you have never had?

 

22 hours ago, coffeeintheam said:

Its my son account but its showing 60 days late the account was open 2010 and closed 2013 but it was never 60 days late just once 30 days its with wells fargo

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Were you an authorized user or joint owner on the account? 

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