CO question

[esmer0924]

Here are my Experian FAKO and FICO one of the last two baddies I have on my report. 

Do you see a difference in what they are reporting??  Not sure why they have a charge off and late +90 days on December 2012.  Is this pulling my score down?

FAKO Score 670 - Reporting Below

AMERICAN HONDA FINANCE Potentially Negative Closed 214-277-5200 Mailing Address: 3625 W ROYAL LN STE 200   IRVING, TX 75063 More Account Details
Account Name	AMERICAN HONDA FINANCE
Account #
Account Type Auto Loan	Auto Loan
Balance  $10,934.00	$10,934.00
Date Opened 12/1/2006	12/1/2006
Account Status Closed         Mo. Payment         Close Account Details Past Due $10,934.00         Payment Status Charge-off         High Balance           Limit           Terms 72 Months         Comments
24-Month Payment History       2011                       2012                       Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND KD

FICO Score 644 - Reporting Below

Vehicle Loan Account      American Honda Finance     

Status as of Date opened [?] Date of last activity [?] Loan type [?] Terms [?] Account Type [?] Account holder [?] Industry

Dec, 2012

Dec, 2006

Feb, 2008

Auto Loan

72 Months

Installment

Joint Account

Automobile Financing Company

No contact information provided by Experian

Balance [?] Current Status [?] Past Due Amount [?]

$10,934	Unpaid balance reported as a loss by credit grantor	$10,934

Seven year payment history [?] 30 days late 60 days late 90+ days late

0 times

1 time ()

2 times (Dec 2012, Feb 2008)

Recent payment history [?]             1                      2                      3                      4                      5                      6                      7                      8                      9                      10                      11                      12                      1                      2                      3                      4                      5                      6                      7                      8                      9                      10                      11                      12                        2011                          2012           

Legend:	Currently paid as agreed
	Collection

Worst Delinquency [?]

Collection

The Worst Delinquency reports the worst missed payment status that has       been documented on this account.  Your FICO® score evaluates how recently       that missed payment occurred and in general, the more recent, the more impact       it has on your score.  However, the fact that it occurred is still predictive       of future payment risk and could be considered by your FICO® score.

[Burned2manybridgesB4]

A monitoring program will interpet the data differently, as compared to a CRA layout. 

If it's Honda still holding the CO balance (meaning it's still in their pockets) it's reporting correclty, as the last status was 90+ days late.

Did you dispute this in Dec, by chance?

[esmer0924]

Yes I disputed it in December

[guiness56]

Yes it is showing a 90 late and a CO for Dec.  And it is reporting correctly.  Until the debt is paid, they can report lates each and every month.

3rd party reports only show a 24 month history.  If you get the report directly from the CRA or annualcreditreport.com they will show an 81 or 84 month history.  Not sure which I.