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Delinquencies and missed payments are exactly what the credit report is about. All the missed payments and judgements will show up on the credit report. The credit report also gives a total of what is owed, what the total of monthly payments due is and a total of how much is late.
Can I ask why, or ask for an explanation of why something is past due?
Im looking at a credit check, and the information in it isn't adding up, its saying 180 days past due but that the loan is 3 yrs old, but only recently went past due but the balance is still as much as the original loan amount.
So for example
the Loan says it was for $5,000 in 2012 for a term of 30 mos
person paid the payments for 2.5 yrs
and then the last 6 months is supposedly not paid yet the loan balance is still $5,000
So Im thinking the report is wrong bc that doesn't make sense. So I want to ask them about the loan and see whats really going on with it. But I don't know if I can legally ask them about the information I can see in their credit report.
You can ask to get clarification. But is it a loan or a CC ? They could of had a LOC and paid it and borrowed back up and then defaulted. Background checks are pretty accurate but it can be somone with a same name discrepancy. One of my dad's old loans shows up on my credit. Well it used to I ended up getting it removed
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