(Closed) Question about Credit Report- May seem obvious!

posted 7 years ago in Legal
Post # 3
Member
5667 posts
Bee Keeper

Usually companies only report late debts that surpass 30 days, but yes, late payments, collections, defaults all appear as negatives on your credit report. Just remember that your credit score is different than the report and is made up of many factors, not just late payments.

Post # 5
Member
1092 posts
Bumble bee
  • Wedding: October 2012

Seems to me it should appear when you’re delinquent, then eventually (7 years) fall off.

Was it reported delinquent when you actually went delinquent?  If not, maybe call the company who reported the delinquency and ask their policy.

If it was never actually delinquent, obviously, you need to clear that up with the company and the credit bureaus.

Post # 6
Member
56 posts
Worker bee
  • Wedding: June 2011

I just found a neg mark on mine and it when I paid off the loan early. I paid the car loan off in Feb ( I even have my car title) and its showing up late on my credit report. I have disputed it but nothing yet. Any advise?

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