My last collection is gone. (Well I have one paid collection for 16 dollars that I think I'll just be stuck with for a few years, but I'm not counting that and it's only on EX) BUT, the last super harmful collection that I could do something about is GONE. So, as long as you're looking at my TU or EX, I have never had a collection or a late payment ever. Hard work has paid off. I'd be excited to see my 3B scores in 2 days but I accidentally let one card report at 90% lol
