topic Re: Credit Karma shows "Currently Late" but they were closed/charged off years ago (but re in General Credit Topics

Credit Karma shows "Currently Late" but they were closed/charged off years ago (but recently added).

musclegto9 — Sun, 04 May 2025 06:22:56 GMT

I recently had 4 old collections added to my report . 2 of them say "currently on time" and two say "currently late" and it's marking X on the calendar for every new month. But I don't think it's tacking on to my missed payments percentage (other than the first hit when they we're added"). Just wondering why that is, also, would the best option is to pay for delete?

Thanks.

Edit: My title might have been misleading. These accounts don't show under collections or "deragatory marks". They suddenly appeared only on the missed payment section. My missed payment percentage dropped and under this section, it shows either currently on time or currently late (with the x's on the calendar ongoing to the present (one as far back as 2022 for a discover card)

Re: Credit Karma shows "Currently Late" but they were closed/charged off years ago (but re

GZG — Sat, 03 May 2025 18:58:26 GMT

@musclegto9 wrote:
I recently had 4 old collections added to my report recently. 2 of them say "currently on time" and two say "currently late" and it's marking X for on the calendar for every new month. But I don't think it's tacking on to my missed payments percentage (other than the first hit when they we're added"). Just wondering why that is, also, would the best option is to pay for delete?

Thanks.

an unpaid collection, by definiton is late, so it reporting is 'currently late' and a 'late payment' every month.

who is the collection with?

Re: Credit Karma shows "Currently Late" but they were closed/charged off years ago (but re

FicoMike0 — Sun, 04 May 2025 00:07:01 GMT

How old are they?

What is sol?

What are the balances?

Re: Credit Karma shows "Currently Late" but they were closed/charged off years ago (but re

musclegto9 — Sun, 04 May 2025 06:27:06 GMT

My title might have been misleading. These accounts don't show under collections or "deragatory marks". They suddenly appeared only on the missed payment section. My missed payment percentage dropped and under this section, it shows either currently on time or currently late (with the x's on the calendar ongoing to the present.

To answer your question. Capital one closed/charged off in 2021 for $1400 and a discover closed/charged off 2022 for $2700. Since these are not in collections, would my score benefit if I pay these debts off? Pay for delete is only for collections correct?

Re: Credit Karma shows "Currently Late" but they were closed/charged off years ago (but re

musclegto9 — Sun, 04 May 2025 06:23:55 GMT

2021 and 2022.

Re: Credit Karma shows "Currently Late" but they were closed/charged off years ago (but re

Seatac — Sun, 04 May 2025 21:11:34 GMT

What is the statute of limitations in your state?

Before contacting anyone I would get my Annual Credit Rorts and A 3B report.

When helping another veteran I found a couple of collections vultures filing cases before they report. In his case he was never notified of the case filed so it is being thrown out. I love good lawyers.

I mentioned this because if Dosco and Cap 1 have sold the debt, you can't pay them directly

The 2 sets of reports will tell you who owns the debts and when they are due to fall off your report which gives you the DOFD.

IF the original creditors still own the debt, pay them.

One way or another they will be on your report until 2028 and 2029 respectively IF they don't sue and get a judgement. Better to have a paid off collection Tan an open collection.