04-16-2013 08:27 PM
04-17-2013 01:12 AM
First, credit report exclusion of a collection is based only on the date of the first delinquency on the OC account that preceded the collection, so no later activity can reset the credit report exclusion date.
As for the reporting, I would call whoever reported and have a chat. If that does not gain results, you can file a direct dispute with the reporting party challenging the accuracy of their reporting. If the balance is $0, that contradicts active collection on a delinquent debt.
04-18-2013 01:35 PM
11-26-2013 01:54 PM
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.