I'll chime in here. Generally, the OC and CA can and do both report. But, utility companies don't usuall report, only their collection account does when you don't pay up. So I'm kind of confused on that one myself. Have you tried sending out goodwill letters to try and get them off your reports?
Also, from what you posted it looks like EX would be your middle score that would be used for your mortgage app (the one score you don't have, go figure!). But based on what you posted, these negatives are pretty old and aren't hurting you too much. Getting rid of them you'll give you a really nice score though! Try and GW them!
A dispute CAN cause a CA to start reporting to a CRA it wasn't before, but I think it's pretty rare that happens.
I think most people would like for utility companies and rental companied to routinely report since it could give some positive credit history. But very very few do. The only thing I can think of is that maybe the OC listed itself as a collection account but then sold the debt off to the CA. Both would still be permitted to report.
I personally would send GW's to each company that is reporting as they are the ones who have to make the adjustments on the tradelines.
The info you posted about the utility co says it has a zero balance. It doesn't say you owe anything. The information itself looks accurate so you can't dispute accurate info. You could try disputing as duplicate accounts??? Not sure how that will turn out.
They are all already paid. But even if one was unpaid, paying it wouldn't raise your score. A paid and unpaid collection is the same as far as scoring goes. Getting one off TU won't help much score wise because you still have more. Getting the one of EX would help as it's the only one, whenever you get that score.
Definitely keep us posted on what happens!
@Oatmeal wrote:
Collection Agency 1 - Utility
Balance: $0
Date Updated: 04/2009
Original Balance: $351
Original Creditor: Utility
Past Due: $0
Pay Status: >Collection Account<
Account Type: Open Account
Responsibility: Individual Account
Date Paid: 03/2007
Loan Type: Collection
Agency Attorney Remark: >Placed for collection<
Date placed for collection: [ 09/2006]
Estimated date that this item will be removed: 03/2013
From this, it looks like it's listed as a collection account no matter what. The date paid wouldn't change your score any. Do you remember if you paid this account. I suppose you could dipute that fact that it's still listed as open and not closed. But again, it's still a collection on your report and the info reported itself won't chagne your score as long as it's there. If I'm wrong I'm sure one of the veteran's will correct me here, but I don't think you're punished more or less for the way data in the remarks. A collection account is a collection account is a collection account. Paid or unpaid, settled or paid in fill, score wise all the same. Only thing that helps your score with a collection is getting it deleted, or as it gets older is had less impact on your score. If you're trying to compare the fako score to the fico, there is no correlation between the two. They are have difference score ranges and what can cause a fico to raise can lower a fako and vice versa. Thing to remember about collections and scores is that a collection will be scored the same no matter the pay status, open or closed, only time and deletions erases the damage caused by them.