Pulled my reports today, on EQ I have a paid collection account reporting under the accounts tab and not the collections tab. It states under the status, the account is 120+ days past due and the balance is reported as 0 since I paid it off in March of 07, but when you click on details it shows 0 lates listed under the 30-60-90 days late. In the understanding your score tab it shows my last late payment as 2 years and 2 months old, dating back to when this collection showed up (date opened 01/23/07, says status of account is open). I paid this account in 02/17/07, on my transunion report it shows it was closed on 03/01/07.
On my other 2 reports, it is only listed under the collections tab of the report so its not effecting late payments at all. Transunion has my last missed payment as 4 years 6 months ago, in the understanding your score tab.
I'm not sure if I should dispute this account, it is effecting my payment history on EQ, but I don't want the account to be re-aged or something else if I dispute it. Any advice on this would be greatly appreciated.
Wishing I would have known about PFD 2 years ago!!
Scores as of 02-12-09: TU 693 EQ 689 EX 721
