Listing Late Payment

[Anonymous]

Where is the account located on your full report from EQ?

[Anonymous]

Somehow, I am not exactly sure why, but none of the collections are showing up on my EQ report. My score is about 100 points higher on my EQ than EX. I assume to leave that alone.

[Anonymous]

I meant 100 points higher than TU

[Anonymous]

Ok, so where are they appearing on your TU report?

[Anonymous]

Collection Accounts Section

[Anonymous]

After looking at my report longer, I realized that LVNV funding is listed in my 'Accounts Section' and not the 'Collections Section'. Am I correct in assuming that LVNV is a collection agency since they are not the OC? If this were the case, they are showing the settled account on Feb 09 which would make sense reporting a missed payment 3 months ago. However, this should be reporting in my collections section rather than my accounts section, correct? If that were to be moved over to the collections section, it should report my last late/missed payment over 2 years ago and my score will go up to where it should be.

[Anonymous]

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douglaspaw wrote:
After looking at my report longer, I realized that LVNV funding is listed in my 'Accounts Section' and not the 'Collections Section'.

 But it is in the collections section on your myFICO report, right?

Am I correct in assuming that LVNV is a collection agency since they are not the OC?

Yes, they are a CA.

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[Anonymous]

But it is in the collections section on your myFICO report, right?

No, it is in the "Accounts" section of myFICO

[Anonymous]

OK, I am trying to figure this out.

Give me a bit and I'll get back to you.

[Anonymous]

I'll be patiently waiting...thanks