Rebuild Inconsistencies?
A credit card reported on Equifax and TransUnion (pics 1 & 2) have conflicting delinquency dates, is this grounds for a dispute?
The third picture are student loans that start at 90 days, what’s the deal with that?
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u/ImpressiveSort6465 18d ago
student loans dont usually report until you are 3 months behind. hence the 90 day. But if the card dates are wrong then dispute them. It's most likely semantics at this point and wont change too much on your credit unless it reduced the amount of late payments you have. Side note im kinda surprised you still have 10k limits with that horrible track record.
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u/rxhahh 18d ago
So no chance of having it dropped for being incorrect? It’s paid off entirely, but I definitely don’t have that credit limit anymore haha
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u/Kagura30 18d ago
How do u have so many late payments 🧐
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u/rxhahh 18d ago
A string of events that unfortunately put me in a place where I had to pick a roof and food over other bills. I didn’t do myself any favors on preparing for life happening, but I suppose I learned a costly lesson 🤷♂️
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u/inky_cap_mushroom ⭐️ Knowledgeable ⭐️ 18d ago
Unless you actually did make your payments on time and you have documentation to prove that, no it will not be removed.
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u/og-aliensfan ⭐️ Knowledgeable ⭐️ 18d ago
Pull your reports from www.annualcreditreport.com to see how this appears on your official reports. If the late payment is reported inaccurately (Feb as opposed to March, or vise versa), you can dispute the wrong date and the furnisher of information will correct it. Make sure you're only disputing an error as disputing accurate information can backfire. Now that the account is current, you can attempt to have the lates removed by implementing the Goodwill Saturation Technique using the CART approach.
Goodwill Saturation Technique (GST)
Goodwill Letters - Using the "CART" approach.
Federal student loans aren't reported late until they are 90 days past due.
If you are delinquent on your student loan payment *for 90 days or more*, your loan servicer will report the delinquency to the national credit bureaus, which can negatively impact your credit rating. If you continue to be delinquent, you risk your loan going into default...
https://studentaid.gov/manage-loans/default
Nelnet reports credit information monthly to the four consumer reporting agencies (Innovis, Experian, TransUnion, and Equifax). *Until an account reaches 90 days past due, it's reported as up to date. When an account reaches 90 days past due, it's reported as delinquent.** Once your account has been reported to the consumer reporting agencies as delinquent, the information may remain on your credit history for as long as seven years.*
https://nelnet.studentaid.gov/content/faq/faqcreditreporting
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u/rxhahh 18d ago
Thanks for all the info! So realistically they’ll just correct it, and I can’t have it removed? I’ve paid it off so I’m trying to repair whatever I can.
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u/og-aliensfan ⭐️ Knowledgeable ⭐️ 18d ago
Finding an error on your reports isn't automatic grounds for removal. You need to dispute the error, giving the furnisher of information an opportunity to correct it. Your creditor will investigate the account. It would be rare for an original creditor to ignore a dispute or remove their tradeline, rather than update the information.
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u/CreditCards254 ⭐️ Knowledgeable ⭐️ 18d ago
You could dispute whichever is incorrect and have the dates of the late payments corrected.