I've been trying to figure out why my FICO is so diferent with Equifax than it is with TransUnion and Experian.
One of my tradelines is showing as follows:
DFS/Webbank
Date Opened: Jul, 2005
Date of Last Activity Oct 2011
Loan Type Charge Account
Credit Limit: 7000,00
Largest Past Balance 6206.00
Account Type Revolving
Description: Charged Odd Account
Account Closed by credit grantor
This account went to collections and was paid in full. Yes, I know it continues to affect my score BUT, here's my issue:
The "ding" I'm getting on my reports (items that effect you negatively) are: Recent late payment
I haven't had a recent late payment. 2011 was my last late payment with anyone, so while I know it will still be a hit, it shouldn't be a "recent".
When I look at this one account, and I view the 7 year payment history I see: 90+ days late 23 (!) times (Apr 2014......all the way back to June 2012) when I began paying the collection.
Shouldn't (as the OC) they be reflecting the October 2011 date? I'm in essence getting hit twice, once as a collection account from June 2012 to April 2014 and once with the OC.
Do I have any grounds to challenge? or do I just let it age as it's paid and time will lessen the hit anyway. I'm gardening. I don't need my scores to change other than for my own personal satisfaction. But I'm all for disputing if I get to 
Starting Score: TU 584 EQ 560 EX 686
I believe you can challenge, if its paid it cannot be currently 90 days past due, they can report the past due status up to the date it was paid but not going forward. I would do a direct dispute with the OC and if the CA is reporting a payment history, its illegal and I would dispute it with the CRAs directly. Good luck
