Credit Card Center Advertiser Disclosure

New Contributor
Posts: 73
Registered: ‎07-19-2007
0 Kudos

Terminology on Paid Collection Reporting Question

[ Edited ]
I was looking at my info from TrueCredit and found the Pay Status and Type are different between EQ, EX and TU. The account was a collection from April to Oct 2003 when it was PIF. On a score explanation it says I have a recent collection due to the EQ reporting recently from a dispute. See the highlighted areas where I am questioning the reporting and let me know what it should show in your opinion:
Thanks for your help!!!


                        Transunion                  Experian                      Equifax

 Condition:       Derogatory                   Closed (Paid)               Derogatory

 Balance:          $0                                                                     $0 

 Type:               Educational                  Educational                  Collection

 Pay Status:      Collection/Chargeoff    Collection/Chargeoff    Late 120 Days

(Under the "More about" link this shows up)

                        TransUnion                  Experian                      Equifax

 Past Due:        $0       

 High Balance:  $394                             $394                             $394 

 Terms:            36 months                    36 months  


 Payment:         $400                                                                 $401 

 Opened:          04/11/2003                    04/2003                         04/2003

 Reported:        06/01/2003                    10/27/2003                    08/2007

 Responsibility:  Individual                  Individual                     Individual


 [TransUnion] Payment after charge off/collection

Paid collection   

 [Experian] Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department.   

 [Equifax] Paid collection

Student loan

Message Edited by r92503lind on 08-09-2007 07:04 PM

Message Edited by r92503lind on 08-09-2007 08:55 PM

Message Edited by r92503lind on 08-10-2007 07:20 PM

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.