Starting Score: 467 EQ
+1 Of course you don't want it to be CO'd and placed for collections. You should get it caught up, or paid off and then send a GW.
Starting Score: 504
Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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Haha, being past due DESTROYS your FICO score. I know this, because when I decided to finally check mine, I was past due a couple days on a CC payment. Dumb. When that updated as current I gained like 40 points. FICO is a snapshot in time, so when you're past due, it's saying you're unable to pay your debts literally right now.
I also had about a 40 point gain going from status "currently 120 days past due" to current. Even though the history was still bad, the account status showing 120 past due as of TODAY is far worse than showing "pays as agreed" today. Maybe you can GW them if you make like 6-12 months of perfect payments, they will delete the baddies? Its worth a shot.
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