Credit Card Center Advertiser Disclosure

Valued Member
Posts: 26
Registered: ‎04-19-2011
0 Kudos

Reporting error's

A couple of months ago I made a settlement offer with a CA for an old CC debt and settled for $419 when they claimed I owed $835.  Just today I pulled all three CR's and they are all three reporting this differently.  According to EX the $419 was paid and it is now showing as paid, closed and 0 balance.  TU shows this as $419 paid but I know owe $426 and it is still an open account.  EQ shows the account with $419 paid, shows I still owe $426 and is just empty in the account status box.  How do I go about fixing these?  Just try and dispute them on my CR's or contact the CA that I settled with?

Starting Score: EQ 551 TU 590
Current Score: EQ 628 TU 682 EX 684 (11/29)
Goal Score: 680

Take the FICO Fitness Challenge
Established Member
Posts: 28
Registered: ‎09-28-2008
0 Kudos

Re: Reporting error's

Sorry I don't have a solution for you, I was looking for an answer to a similar question. I think we need to write the CRA but I am not sure....

3/08 TU 545
12/09 TU 669
12/10 TU 743
12/11 TU 718

1/12 EX 696

My goal is to to pay down my balances....I've been unemployed and still on top of it all.

Community Leader
Epic Contributor
Posts: 29,563
Registered: ‎03-19-2007
0 Kudos

Re: Reporting error's

The correct reporing by the debt collector is simple:

Closed, $0 collection balance..

"Paid" apples to OC accounts, not to collections.  A collection is either open or closed.


EX has it right. 

Perhaps the debt collector update has not been completed.  I would not dispute at this time.

Just give them a call and request accurate update to closed, $0 balance.


It is not critical to scoring now, so I would give them a little time.  If you dont get proper update, then file a direct dispute with them under FCRA 623(a)(8), forcing them to correct within 30 days.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.