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I just pulled my Experian FICO - a CO from 2009 (that has been paid) shows a payment history of 30/60/90/120/120/120/90/60/30 and several months of OK while it was being paid off. Shouldn't it say "Paid" instead of "Bad Debt/Collection" in current status, and how can the payment history go backwards from 120 down to current?
if the debt was subsequently paid, the current status must now show "Paid."
However, prior payment history and highest delinquency status are retained under other reporting codes, including your Payment Rating (level of delinquecny prior to Paid), and your payment history profile. Current status is just a snapshot of, well, current status, and does not retain prior history.
Inclusion in your CR of prior history levels and ratings is proper, and is not actually a reflection of current status. Commercial credit reports often blur this distinction by implying actual current status when that is not where the information is actually coded.
Payment history reflects monthly reportings, which can often, at the time, reflect that monthly status at levels lower than actual level of delinquency, or can simply reflect the level of prior monthly delinquency if unchanged. No reporting in a month where the account is actually delinquent is often reported as "OK," for example, which is clearly not the case. Definately disputable as to accuracy, but correction does not effect the final current status or payment rating of highest level of delinquency, which are the important codes.