CO & lates

[medicgrrl]

Can a ccc mark you as both a CO and 90 days late every month?  Does it even matter about the lates since it is a CO or does FICO score based on both the late payments and the fact that it is a CO?

[llecs]

A CCC can mark you both as a CO and include lates (90, 120, 150, 180, etc.) every single month until PIF or sold. Per scoring, FICO reads the most severe late (a CO in your example) and will also read the most recent late (the 90).