Just wondering

[Anonymous]

In the below, what matters more, the Condition or the Pay status?  This is the same account but showing differently on different CRs

TransUnion and Experian

  Condition: Closed (Paid)

Balance: $0 

 Type: Credit Card 

 Pay Status: Collection/Chargeoff

Equifax

Condition: Derogatory

Balance $0

Type: Credit Card

Pay Status: Collection/Chargeoff

[Anonymous]

Ack, I read the question wrong.

FICO reads the worst delinquency on the account and factors that into scoring.

Message Edited by sidewinder on 08-04-2008 07:33 AM

[Anonymous]

So neither of these really matter? Was wondering since they are reported differently depending on which CR you are looking at.  The TL this example came from is 4 years old but have some more recenct ones that are showing the same thing. 

Message Edited by richmc on 08-04-2008 07:45 AM