I have LVNV reporting as a factoring company on my TU and EQ credit reports. Initially they were reporting as 120+ day late, I settled the balance and now they changed the comment to settled - paid less than full balance. This is correct, however, my report is now showing that I paid a bill late 3 months ago. I think when they updated the comment it triggered as if I made a late payment. My TU score dropped 80 points. Not sure what to do from here. I was at 635, and now its 576, meaning I won't have the 640 midscore so I can buy a house this year. Its rather discouraging after working so hard over the last year to bring up my scores. My EQ stayed at 625 with the same comment. I have had no missed payments in the last 3+ years.
Starting Score: (TU) 517 (EQ) 469 (EX) 519 (6/1/2010)