Can anyone tell me what the heck is going on here? This account is not listed with the collections page on MyFico, rather it's in the same list with credit cards and loans. It's also giving me positive account history some months with a few "120 days late" markers in there on others. Are agencies allowed to do this? I thought they had to report that black "CO" icon. This is really killing my score. I will do a PFD soon, but just wanted to see if anyone else has had this happen. Now, if they didn't throw in the 120 days late....this is one collection I'd like to keep! HA!
Also, any ideas for disputing this incase I can't PFD soon enough and need to app for credit without this killing me?
Thanks,
Brandon
Starting Score: 571