Status is being reported differently for a Settled Account

[Haluk]

Hi,

I run my report through Score Watch and my Verizon account shows as 120+ days late in the Status section while when I run it on AnnualCreditReport (Experian) it shows Paid In Settlement. I am concerned that if it shows up as late, it could hurt my score than the settled status.

Why is the difference? Should I dispute with myfico?

Thanks,

Haluk

[llecs]

This is normal. FICO (and lenders) will still score it as a charge-off. You also can't compare an EX pull with an EQ (or TU) pull from here; myFICO doesn't offer Experian reports.

Per FICO scoring a settled comment is just as damaging as a charge-off (or 120 days in this case). Send a GW asking for deletion.

[Haluk]

Thank you. Do I send the Good Will letter asking for deletion to the Creditor or the Collection company.

Haluk