question about a returned check that was paid

[furkidz3]

This is listed on EQ and EX only.

According to Equifax :   Paid collection $ 19 / 0 balance

                                       DOFD  9-2001

                                       Date reported / Status date 3-2002

According to Experian   Derogatory original balance $19 / Balance $46

                                       Date reported only (no DOFD) 12-2001

What do I do with this?

[momof2]

if it were me i would try to GW the one that is paid off, if that doesnt work, well at least it will be deleted in sept this year.

[furkidz3]

Thanks momof2, but the thing is they are for the same check, listed 2 different ways on the CRs.

I believe I did pay this, but one CRA is reporting it as unpaid it looks like to me.

Should I GW this at all or just let it drop?  Dispute with EX who is showing it as unpaid?  Is it even really affecting my score at this point?

Just asking, I am trying to clean up my reports as much as I can.

[Anonymous]

I would dispute it   it is due to drop in a few months so you might get lucky

[Anonymous]

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furkidz3 wrote:

Thanks momof2, but the thing is they are for the same check, listed 2 different ways on the CRs.

I believe I did pay this, but one CRA is reporting it as unpaid it looks like to me.

Should I GW this at all or just let it drop?  Dispute with EX who is showing it as unpaid?  Is it even really affecting my score at this point?

Just asking, I am trying to clean up my reports as much as I can.

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Is this a CA account?

If so, I vote for leaving it alone and letting it drop when it's supposed to.  It is very old and not hurting that much.

Getting it marked as paid on EX will not help your score one bit.  FICO counts collections the same whether they are paid or unpaid.

Disputing it may have the unintended consequence of making FICO think it's more recent, and scoring it as such.

[Anonymous]

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HappyDays wrote:

I would dispute it   it is due to drop in a few months so you might get lucky

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Sorry, Happy!

Didn't mean to step on your post!  We cross posted.

[furkidz3]

Thanks you guys.

I might just leave well enough alone.

With my luck FICO would probably rescore lower,  thinking it was more recent ,like you said cheddar.

Maybe I will concentrate my efforts on more recent baddies.

[Anonymous]

No problem here!