120 late or paid collection - which is better?[ Edited ]
09-11-2012 06:49 AM - edited 09-11-2012 11:29 AM
I have a question regarding scoring. I am trying to get one of my scores up a little, and think I found a way. Before I start any disputes I wnat to be sure it won't hurt me any if that's possible.
EX is my weak score @ 646 and TU is my strength @ 692
The reports are exactly the same, everything is reported the exact same except one item.
Verizon collection account last activity Aug 2011
EX is showing 120 day late - $0 balance
TU is showing payment after charge off/collection PAID (edit)
Would it make sense that 120 day late hurts more than a paid collection? If so I would lobby to have the status changed to paid after collection.
Please give me feedback if you have any info on these matters.
Thanks a lot.
- Lots of work.....
- 9/20/12 - FICO EX 646 TU 692
- Dec 12 - Home purchase - May 13 Auto Purchase
- 6/10/13 - FICO EX 672 TU 690
It CAN happen to you!