Another gem from a different thread - Actually JDBs do sometimes review accounts (soft pulls) to determine whether they want to purchase a portfolio or not. That doesn't make them factoring companies, however. CO debts can't be factored - the law doesn't allow for it. So any debt that was CO by the OC before it was sold is a collection account, period.
Actually, listing themselves as a Factoring Company isn't a big deal. They could list themselves as the "Ice Cream Men", it doesn't play a whole lot into your CR. It's what they do by listing themselves this way that makes a difference. When they list monthly derogs, change the DOFD and change the terms from the OC that a violation can occur.
Starting Score: 504 July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013 Goal Score: All Scores 760+, Newest goal 800+ Take the myFICO Fitness Challenge Current scores after adding $81K in CLs and 2 new cars since July 2013 EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.