Hmm, the account was past 60 days note is probably just refering to when you were late back in '07, but as you say, hard to tell with the limited history showing. I'm not sure if they have it reported incorrectly, as when you disputed the account, wouldn't that be affected. The good news is that they didn't report anything negatively in July, and the ND aren't negative. I'm guessing the .6 years since last negative are due to the fact that the TL is considered negative due to the 60 day late indicator, and the TL was modified .6 years ago. I wouldn't think that it is having much of an impact on your score though. Have you pulled your free annual credit report from the credit agencies, sometimes they may have more history that is being lost when it's pulled into the third party (or credit monitoring) service that this is from.
Just suggestions.
Starting Score: EQ-484(10/10/2011) TU-533(10/10/2011)
If the worst the account is showing now is an old 60 day late, leave it alone. That is a minor derog and has lost it's sting. This account is actually helping your AAoA now.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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