ACCOUNT STATUS on Credit Reports

[coffeepleeze]

I had 3 CO'S between 2009 & 2011.  Experian updated the ACCOUNT STATUS to read CLOSED instead of CHARGED OFF and the PAYMENT STATUS to read PAID.  TU update similarly on 2 of 3.  How do I dispute EQ for them to update the same?  On my TU trimerge reports, the EX & TU CONDITION reads PAID and the EQ reads DEROGATORY.  I realize that any charge off or collection is deragatory but the ACCOUNT STATUS technically shouldnt be CHARGE OFF any longer since the accurate STATUS is closed and paid.  Any thoughts??    

[guiness56]

It is still a CO and will always be a CO.  Current account status would be paid after CO or something similar.

It isn't affecting your score to have it the way it is.

[coffeepleeze]

Thanks Guiness - just looking for anyway possible to reduce the negative implications of my negatives.  Experian actually has them listed as Paid & Closed and with the charge off note only in the comments and it's not "red flagged" as a negative so hoping for the others to update accordingly.  Still working on GW requests so theres still hope

[guiness56]

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@coffeepleeze wrote:

Thanks Guiness - just looking for anyway possible to reduce the negative implications of my negatives.  Experian actually has them listed as Paid & Closed and with the charge off note only in the comments and it's not "red flagged" as a negative so hoping for the others to update accordingly.  Still working on GW requests so theres still hope

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If there is a CO mentioned anywhere in the TL, it is still scored as such by FICO.  FICO also scores the comments.