However, if the box labled "Worst Delinquency" in the FICO report says something like "90" or "120 plus days past due", then that is hurting your score in a big way. I had one changed from "120 days past due" to "co/collection" and score jumped 20-30 points. I have a CO that updates monthly and switches back and forth, 20-30 point swings monthly. It is set to be removed in June, but it is interesting to see the change over a 1 day period, with nothing else going on on the CR.
But with that said, your account could be helping your overall avg. age and its removal could harm your score.
