Payment status on credit report?

Question

I pulled a 3 in 1 credit report ....I have 1 creditor that listed payment status on Esperian as " Current, was past due 30 days"...on Equifax & Transunion the payment status is "pays as agreed"....How should I go about getting the creditor to change the Esperian entry to "Paid as agreed" - I was late & don't want to raise a flag and have them change the other 2 negatively Can I print out the page & send to Esperian directly to change?

Answer 1

First thing I would do if I were you is order a report from each credit bureau. You can order your free FACT-Act report if you don't want to pay. Generally the tri-merge reports are incomplete or inaccurate.

If the account is a closed account, you run the risk of losing the whole trade line if you dispute it.

If it is still an open account and your 30 day late was from awhile back, try contacting the creditor to see if they will change it to never late.

Explain why you were late, how you have brought it current and kept it current for x number of years. Tell them that you enjoy doing business with them etc.

Sometimes the original creditor will take a late off. Alot of it just depends on who ends up getting your letter or phone call.

P.S. I wouldn't mention to them how it is reporting on Eq. or TU.

Answer 2

If you WERE late, then they have every right to report that fact. If the late is a mistake and you were NOT ever late, then dispute that with the credit bureau. You might also try calling the creditor and see if they will correct it, if you weren't late. If you were, don't expect them to be too willing to change your reports - its' there for a reason.

Answer 3

you should be able to call the creditor and let them know of the mistake on Esperian and ask them to contact them to correct. I've had to do this before and had no problem getting the problem resolved.

Answer 4

Credit reporting agencies can not change reporting without sending a dispute to the creditor. My advise would be to leave it as is.

Answer 5

It mate via fact the financial corporation see each and every thing presently in a foul factor you need to circulate and discover out what the subject is on your account or you could touch me on my mail so as that i will instruct you a thank you to with telephone numbers you could touch to be certain if there is something against your call

Answer 6

Well, they don't report to each other or exchange information so if you wrote the one company, the other 2 wouldn't know anything about it.