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his is how it appears on my report.... my credit score jumped over 40 points eq fico when this was changed.... instead of deleting for a account that wasn't supposed to be on my report now it shows this.
Individual account , PAYS AS AGREED , balance $0 , PAID AND CLOSED , type of loan, Installment sales contact (NOT listed as Collections) , MONTHS reviewed 54 with NO LATES on file....
this account is reported very wrong, but should I poke at this account for deletion or just let it be?
I am confused. The account is apparently reporting as a paid and closed installment loan, with no derogs? What is detrimental in that reporting?
Why are you referring to it as a "collection" in the title to your post?
Its deletion will cause you to lose its age in your AAoA calculation. What is your thinking in pursuing deletion?
OP, would you mind sharing the name of the company reporting this tradeline?
OP, I'd check your CR from myFICO to see if FICO looks at it as a baddie. On the Accounts page showing all of your accounts, there is a column with a red flag. If there's a red flag next to this TL, then it is hurting your FICO. Absent the red flag, I'd ignore it.
I looked on their website and they seem to be a jack of all trades type of company who handles both billing and accounts management for fitness-related companies and also a collection agency for them. Maybe they are reporting as an OC? Worth a look on the flag, though.
The way it is currently reported in your post I would leave it alone. I would make sure if it is reported to the other bureaus it is reported correctly. You can use annualcreditreport.com for this. No need to buy a score.