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I am nonetheless within the restore stage of credit score. My remaining assortment dropped off this month and I simply graduated on my Uncover secured card, so issues are trying nice there!
The one main derog I’ve left are from a BoA bank card closed in 2016. There’s a 90 day late that ought to fall off in April of 2022, so I can wait that one out.
Nevertheless, for some motive BoA reported a 60 day late proper once I closed the account in 2016, however solely on Equifax. I can not recall if it actually was 60 days late, however no matter electronic mail data I’ve left, I do not suppose it was.
The opposite unusual factor is that my annual credit score report from each Equifax and TU present the account closed in Could of 2015. I do not see how that’s attainable, since I had the account up till August or September of 2016.
Does anybody know why BoA might need a time limit recorded in 2015? Has anybody ever had a late cost present 30 days at one bureau, and 60 days at one other? Is both the 60 day late or the date closed one thing I ought to dispute? Thanks for any assist with this!
Equifax credit score report screenshots:
Cost historical past: https://i.imgur.com/LBlcDCy.png
Account particulars: https://i.imgur.com/eNfNeAb.png
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