Valued Member
Posts: 31
Registered: ‎08-15-2012
120 late or paid collection - which is better?
[ Edited ]

Hi Experts,

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.



- 6/2012 - FICOs EX 550 TU 580
- Lots of work.....
- 9/20/12 - FICO EX 646 TU 692
- Dec 12 - Home purchase - Dec 14 Auto Purchase
- 6/10/13 - FICO EX 672 TU 690
- 1/22/15 FICO EQ 697 TU 732
It CAN happen to you!