Credit Cards Center Credit cards from our partners
New Contributor
Posts: 98
Registered: ‎03-29-2012

Confused about DH's report.

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?


Verizon Apr, 2012

Status as of Date opened [?] Date of last activity [?] Largest past balance [?] Account Type [?] Account holder [?] Industry
Apr, 2012
Oct, 2008
Feb, 2011
Open Account
Telephone Companies
Descriptions [?]
  • Collection account
  • Telecommunications/cellular

No contact information provided by Equifax

Balance [?] Current Status [?] Past Due Amount [?]
$629120+ days past due$629
Seven year payment history [?] 30 days late 60 days late 90+ days late
0 times
0 times
0 times
Worst Delinquency [?]
None Reported
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

Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.