topic Dumb Question but... in Understanding FICO® Scoring https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Dumb-Question-but/m-p/24908#M5835 <DIV>someone please define&nbsp;a Derog&nbsp;account for me please. Is this the same as an account in collections?</DIV><DIV>&nbsp;</DIV><DIV>Im confused!</DIV><DIV>&nbsp;</DIV><DIV>Thanks</DIV><DIV>TS</DIV><DIV>&nbsp;</DIV><DIV>&nbsp;</DIV> Thu, 28 Jun 2007 23:30:50 GMT Anonymous 2007-06-28T23:30:50Z Dumb Question but... https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Dumb-Question-but/m-p/24908#M5835 <DIV>someone please define&nbsp;a Derog&nbsp;account for me please. Is this the same as an account in collections?</DIV><DIV>&nbsp;</DIV><DIV>Im confused!</DIV><DIV>&nbsp;</DIV><DIV>Thanks</DIV><DIV>TS</DIV><DIV>&nbsp;</DIV><DIV>&nbsp;</DIV> Thu, 28 Jun 2007 23:30:50 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Dumb-Question-but/m-p/24908#M5835 Anonymous 2007-06-28T23:30:50Z Re: Dumb Question but... https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Dumb-Question-but/m-p/24912#M5837 <DIV></DIV><DIV><BR /><BLOCKQUOTE><DIV><HR />theshadow12345 wrote:<BR /><DIV>someone please define&nbsp;a Derog&nbsp;account for me please. Is this the same as an account in collections?</DIV><DIV>&nbsp;</DIV><DIV>Im confused!</DIV><DIV>&nbsp;</DIV><DIV>Thanks</DIV><DIV>TS</DIV><DIV>&nbsp;</DIV><DIV>&nbsp;</DIV><BR /><HR /></DIV></BLOCKQUOTE>A derogatory account is simply any tradeline or account reporting negative or adverse info.&nbsp; Some examples are, collections, charge-offs, unpaid child support, judgments, wage garnishments, even accounts that are 120 days late (default time) and so on.</DIV> Thu, 28 Jun 2007 23:46:09 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Dumb-Question-but/m-p/24912#M5837 fused 2007-06-28T23:46:09Z Re: Dumb Question but... https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Dumb-Question-but/m-p/24933#M5841 <DIV>On TU and EX reports, they break things down into clear categories. Adverse Accounts (derogs) and Good Accounts. Even a single 30 day late is a derog, albeit far less of a derog than a collection or chargeoff.</DIV> Fri, 29 Jun 2007 00:39:47 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Dumb-Question-but/m-p/24933#M5841 Anonymous 2007-06-29T00:39:47Z