The BASTARDS at Trans Union and Capital One: TU FICO 563
I just reviewed the myFICO reports for a Credit Review. We have a bankruptcy and 4 Capital One discharged accounts.
NONE of the Cap One accounts have the DATED CLOSED.
The score factors from the TU myFICO report:
Trans Union
Top Negative Factors
You have a public record, serious delinquency and a collection on your credit report.
Number of your accounts that were ever 60 days late or worse: 12
Number of public records on your credit report 1 Record
Number of collections on your credit report: 1 Collections
The date of your most recent missed payment is unknown.
Your most recent late payment happened: 0 months
-- All 4 Cap One accounts need the DATE CLOSED no later than 11/05 when you filed for BK
-- This could also be GMAC, STATUS 2/08 + Ch. 7, no way of telling until Cap One got fixed
You have multiple accounts showing missed payments or derogatory descriptions.
Number of your accounts with a missed payment or a derogatory description: 13 accounts
You have few accounts that are in good standing.
Number of your accounts currently paid as agreed: 0 account
-- GMAC is NOT counted as positive because of the Ch. 7 notation
What’s helping your FICO score
You’ve limited the use of your available credit.
Ratio of your revolving balances to your credit limits Unknown
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The Equifax FICO is 640, about where it should be with the 11/05 Ch. 7 and NO open accounts because the current auto loan is reported as discharged.
AS USUALLY, the auto loan is reported as DISCHARGED while actually paid as agreed.
But that all 4 Cap One accounts are reported WITHOUT the date closed confirms my suspicion that Cap One deliberately does NOT report the DATE CLOSED to TU to lower the scores. I don’t know whether they also omit the DATE CLOSED for charged off accounts.
Capital One HAS to report the credit limits now—AFTER I spent 6 years of my life complaining and suing.
How long until they’ll report the DATE CLOSED?
FYI, I really have to post the TU filings, Trans Union incorrect Date Closed and address made in on the public record.
A reader recently wrote:
I talk about the unabated tsunami of corruption and the greed in this world a lot. They don’t just step on your neck; they grind their foot while doing it. If the victim is 85-years-old, they may smile sweetly as they twist both feet.
And that is how it is.
I owe Capital One over $20k.
WHY am I paying Capital One?
Posted by Christine on 02/29/2008 at 11:09 PM
2008 - 2009 FCRA - FDCPA violations • Trans Union incorrect Date Closed and address • (2) Comments • Permalink
How is Capital One able to get away with reporting a credit card each month late(when the account was already written off 5 years ago) and show a increasing balance???
I was thinking of using lexington Law to help me try to correct them item..I have already tried several times and to no success…
It might NOT be Capital One’s fault, but the FICO scoring bug I documented a long time ago:
http://creditlegislation.org/activists/forum11/
I hope you read the Lexington disputes:
http://fight-back.us/forum/index.php?showforum=8
