Re: 120 late or paid collection - which is better?
09-13-2012 08:56 PM
You cannot have a zero balance and be 120 days late at the same time. You can bew 120 days late prior to the date you paid the account. Technically it is inaccurate.reporting. You can dispoute it if you like. If you have proof of payment on the acount submit iit with the dispute. OS that thye will not push the 120 days late back one month. Not sure how much if any this will your score. I would try for a good will deletion of the account.