CreditFactors

Category: Experian MISSING date of first delinqueny / charge-off

  • My published complaint to the FTC about the Experian lates after charge-off or collection

    My DRAFT complaint to the FTC is posted at http://liarsandcheats.info/credit-bureau-experian-and-devry-reporting-false-late-payments-refusal-to-delete/

    I have not received a response from Experian or DeVry and I’ll snail mail everything next week to the FTC. That DeVry would DELIBERATELY destroy their former students’ credit and lives is beyond belief.   Obviously, that’s a school to be avoided at any cost.

    Very important, I also addressed Experian’s refusal to disclose when derogatory accounts will be deleted and the possibly re-aging of collections and charge-offs.

  • The extremely important Experian STATUS and DELETION dates

    (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 delinquent, I cannot prove how the account is rated.

    Experian should be ORDERED to provide the dates of the charge-off to creditors and the date of first permanent delinquency to creditors.  I’ve SUED Experian over this and the deposition is at CreditCourt.  That’s the case I had to dismiss because they filed my totally unredacted credit reports on PACER for ANYONE to download.

    To all you credit experts:

    Can you tell me when this account was charged off or when the account first became permanent delinquent?

    Can you tell me whether the scheduled deletion date is CORRECT?

    I’ll try to post how Fair Isaac reports the account soon.