I've decided to take on DH's credit repair along w/my own and I'm confused on how things are reporting on his CR. He has VZW and AFNI on his reports. They are both in collections (under account desciption) with past due balances. However under account status they show 120+ days late but according to his report he has no accounts in collections. I pasted how it is reporting. Is this accurate?
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
Starting Score: EQ ? TU 620 EX 566 (F) Current Score: EQ 647, TU 641, EX? ?? Goal Score: 720