Your correspondence addressed to Harry Gambill, dated 07/23/02, has been forwarded to this office for review and response.
Please be informed that NAVCLVD/GLHEC #[account number] is currently not being reported on your TransUnion credit file.
In response to your recent question regarding the payment history column, this notation is generated each month based on you timeliness of paying the debt. The following reports the different payment pattern.
| 01: | paying as agreed | |
| 02: | paying more than 30 days late | |
| 03: | paying more than 60 days late | |
| 04: | paying more than 90 days late | |
| 05: | paying more than 120 days late | |
| 09: | charged off as bad debt or collection account |
Additionally, in response to your concern regarding the “pay pattern 1-12 and pay pattern 13-24,” this is generated by how many months the account has been viewed by the creditor. Please note that the TransUnion report mailed to you does provide you with the number of times a specific account is reporting late information.
A modified copy of the report has been enclosed for your review. If you should have any questions or concerns, please feel free to contact me directly at (610) 546-4600, extension [extension number].
Sincerely,
[signature]
[name]
Investigator
Consumer Relations