'CA' in 81-Month Payment History

[Crossdivided]

OK, so ive posted this question before, but i dont think i was very specific on exactly what i was asking.

Every CRA has a different identifier for a 'collection acct' in the 81-month payment history. one is 'C', another 'CA', etc.

Keep in mind im speaking ONLY of the history, not 'type of accout'. For example, an OC that reports as a 'collection acount' for any given month (vs a 90+ late, etc).

That being said, i am curious as to how the fico model reads that...in comparison to 90+ late, etc.

I have an entry that reads all 'currents', except for 11 straight months in 2012 reported as 'C' (was Feb-Dec i believe), and now 'current' status after payments to catch up. This account is an open account..

Im trying to figure out if, score wise, if thats being considered 'recent lates'. I would THINK it probably would be, but its not technically saying its x number of days late either.

[guiness56]

If it is a collection that is what FICO scores on.

[Crossdivided]

Ah ok.

So, a payment history such as this would no longer be taking any dings? Its listed as 0 past due, and now in 'pays as agreed' status:

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

2013

*

*

2012

CA

CA

CA

CA

CA

CA

CA

CA

CA

CA

CA

CA

2011

*

*

*

*

*

*

*

*

*

*

*

*

2010

*

*

*

*

*

*

*

*

*

*

*

*

2009

*

*

*

*

*

*

*

*

*

*

*

*

[DaBears]

---

@Crossdivided wrote:

Ah ok.

So, a payment history such as this would no longer be taking any dings? Its listed as 0 past due, and now in 'pays as agreed' status:

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

2013

*

*

2012

CA

CA

CA

CA

CA

CA

CA

CA

CA

CA

CA

CA

2011

*

*

*

*

*

*

*

*

*

*

*

*

2010

*

*

*

*

*

*

*

*

*

*

*

*

2009

*

*

*

*

*

*

*

*

*

*

*

*

---

Is the CO paid or unpaid? where did you pull th CR from?

[Crossdivided]

it was never a CO.

straight from the CRA.

[guiness56]

As far as I know, FICO will ding the collection itself.  Even if it is pays as agrees now, as long as the collection comment is still there you still get a ding for the collection.

[Crossdivided]

well theres no comments whatsoever on the entry, just the above payment history...but i suppose a comment would be redundant if its indicated elsewhere.