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	<title>CreditFactors &#187; Experian lates AFTER charge-off</title>
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	<description>FICO credit scores - settling debts - dealing with collectors ...</description>
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		<title>My published complaint to the FTC about the Experian lates after charge-off or collection</title>
		<link>http://creditfactors.com/2009/05/my-published-complaint-to-the-ftc-about-the-experian-lates-after-charge-off-or-collection/</link>
		<comments>http://creditfactors.com/2009/05/my-published-complaint-to-the-ftc-about-the-experian-lates-after-charge-off-or-collection/#comments</comments>
		<pubDate>Sun, 03 May 2009 05:53:54 +0000</pubDate>
		<dc:creator>Christine</dc:creator>
				<category><![CDATA[Experian MISSING date of first delinqueny / charge-off]]></category>
		<category><![CDATA[Experian lates AFTER charge-off]]></category>
		<category><![CDATA[FTC Complaint]]></category>
		<category><![CDATA[Systemic violations]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[lates after charge-off/collection]]></category>
		<category><![CDATA[re-aging]]></category>
		<category><![CDATA[student loan]]></category>

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		<description><![CDATA[My DRAFT complaint to the FTC is posted at http://credit-reporting-collection-ftc-complaints.info/category/devry-experian-late-payments/
I have not received a response from Experian or DeVry and I&#8217;ll snail mail everything next week to the FTC. That DeVry would DELIBERATELY destroy their former students&#8217; credit and lives is beyond belief.   Obviously, that&#8217;s a school to be avoided at any cost.
Very important, I also [...]]]></description>
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		<title>Experian&#8217;s LACK of reasonable procedures: lates after chargeoff</title>
		<link>http://creditfactors.com/2009/04/experians-lack-of-reasonable-procedures-lates-after-chargeoff/</link>
		<comments>http://creditfactors.com/2009/04/experians-lack-of-reasonable-procedures-lates-after-chargeoff/#comments</comments>
		<pubDate>Fri, 03 Apr 2009 07:24:33 +0000</pubDate>
		<dc:creator>Christine</dc:creator>
				<category><![CDATA[Experian lates AFTER charge-off]]></category>
		<category><![CDATA[Systemic violations]]></category>

		<guid isPermaLink="false">http://creditfactors.com/?p=531</guid>
		<description><![CDATA[TYPICAL Experian OBVIOUS incorrect reporting includes late payments AFTER an account was charged off.
The Trans Union FICO score WITH this account (including an incorrect balance), 5 public records and 2 collections is 689.
As POSITIVE TU score factor Fair Isaac lists:
You&#8217;ve recently been paying your bills on time. 
Your most recent late payment happened 6 Years [...]]]></description>
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