I would send one goodwill to collection agency asking for the deletion of the reporting of the collection account. I would also ask account # 1 And Account #2 for a good will deletion of 30 day late if this is the only late on the account. Glad you found the information.
Equifax My FICO score 815 5/28/2012. Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805
