One of my student loans that went to collections and was ultimately paid in full (by me) is reporting a current status of "120 days past due" and a balance of zero.
I'm thinking of calling Sallie Mae (the original lender) to have them strike this and replace with "paid in full" or similar. But maybe if I wake the dragon, he will now report as "gone to collections" or "chaged off" or similar.
Are you seeing that on your reports at MyFico or on your full CRA reports?
I ask because I have some that stay 120+/etc on this site, but on my full report, they report as "paid collection" or "pays as agreed"
I don't know what a "full report" is, but the TransUnion is from myFICO. I also have an Equifax with exactly the same Sallie Mae info that I got as one of my free annual credit reports.