Is this correct? ?? Help Needed

Tips and Deals Forums Consumer Credit Improve credit Is this correct? ?? Help Needed

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    • #229491
      inibip
      Member

      I made a huge mistake! In October of last year I switched my bank to NFCU and also my automatic payments or so I thought. Turns out that one account did not update their records and I ended up with overdraft fees on a closed account. Long story short, during this time I also moved so I did not receive the notices from my old bank and these accounts ended up on my credit report. I immediately paid the accounts but the bank will not remove the accounts from my CR.

      Could someone please take a look below and let me know if these accounts are reporting correctly? The account types are listed as Installment which is incorrect, but is that how checking accounts get reported? Also, my payments are reporting as late payments, but I never has a loan!

      Any and all help is greatly appreciated!

      Status as of Jun, 2011
      Date opened [?] Jul, 2005
      Date of last activity [?] Nov, 2010
      Account number [?] XXXXXXXXXXXXX0201
      Largest past balance [?] $149
      Account Type [?] Installment
      Account holder [?] Individual
      Industry Credit Unions
      Descriptions [?]

      Paid charge off
      Unsecured

      No contact information provided by Equifax
      Balance [?] Current Status [?]
      $0 Bad debt/collection
      Seven year payment history [?]
      30 days late 0 times
      60 days late 0 times
      90+ days late 2 times (May 2011, Apr 2011)
      Recent payment history [?]
      OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Collection Collection
      6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5
      2009 2010 2011
      Legend:

      Current paid
      Currently paid as agreed

      Collection
      Collection

      Worst Delinquency [?]
      Bad debt/collection

      Second Account:
      Status as of Aug, 2011
      Date opened [?] Feb, 2005
      Date of last activity [?] Nov, 2010
      Account number [?] XXXXXXXXXXXXX0200
      Largest past balance [?] $110
      Account Type [?] Installment
      Account holder [?] Individual
      Industry Credit Unions
      Descriptions [?]

      Paid charge off

      No contact information provided by Equifax
      Balance [?] Current Status [?]
      $0 Bad debt/collection
      Seven year payment history [?]
      30 days late 0 times
      60 days late 0 times
      90+ days late 2 times (May 2011, Apr 2011)
      Recent payment history [?]
      OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Collection Collection OK OK
      8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7
      2009 2010 2011
      Legend:

      Current paid
      Currently paid as agreed

      Collection
      Collection

      Worst Delinquency [?]
      Bad debt/collection

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