Valued Member
Posts: 68
Registered: ‎09-10-2012
Re: 120 late or paid collection - which is better?

I have a charge off that reports 120 days late each month. I just sized my score and report with someone who has a bankruptcy two years old. My EQ score only beats them by 20 pts....This would imply a paid collections is better than a so called weaker 120...Explain the bankruptcy situation vs mine and enlighten me please. Their average account history is 7 years mine is 5 their oldest account is 13 mine is 13 as well. They have 7 negative accounts with 1 public record. I have 4 with no public records. In addition, I have 7 current good accounts were they have 4. Our debt to credit ratio for revolving credit is the same at 20 percent. If Issac is Fair, than explain this? 

You can wrap me in your flag, make me say a praise to your creator and make me spend your currency, but remember this, I am a loyal servant to Justice and a Patriot to none. I am free...