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	<title>CreditFactors &#187; Experian MISSING date of first delinqueny / 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>

		<guid isPermaLink="false">http://creditfactors.com/?p=547</guid>
		<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>The extremely important Experian STATUS and DELETION dates</title>
		<link>http://creditfactors.com/2008/10/the-extremely-important-experian-status-and-deletion-dates/</link>
		<comments>http://creditfactors.com/2008/10/the-extremely-important-experian-status-and-deletion-dates/#comments</comments>
		<pubDate>Thu, 23 Oct 2008 04:12:17 +0000</pubDate>
		<dc:creator>Christine</dc:creator>
				<category><![CDATA[Experian MISSING date of first delinqueny / charge-off]]></category>

		<guid isPermaLink="false">http://creditfactors.com/?p=463</guid>
		<description><![CDATA[

(click on image for full size)
When was this account charged off?
How does a CREDITOR know how to rate this account?
How does Experian determine when the account is to be deleted?
How do FICO scores rate the account?
Since Fair Isaac does NOT provide the DETAILS for the scores such as how many months ago an account was [...]]]></description>
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