I have a WFNNB / EXPSTR credit card and it has been un paid since about 2002, but on my credit report it is showing late 120 days on one report and charge off on the other two for every month all the way up to last month and I have not been in contact with the company since before then. Which is better to raise my score...to just pay off the collection or pay someone to have the late payments remove. It is showing that I have something like 38 or so late payments and 36 of them are that one account! Please help!
