Hi all,
The journey continues. I've touched on this in a previous thread, but wanted to bring it up again in a slightly different manner.
I previously settled an account (account #1) and EQ dinged me for a new late payment. I had to escalate the issue to a supervisor in Equifax's disputes department and was able to get the issue rectified. I just settled another account (account #2) and I'm seeing the same issue with another score ding, so I plan to address it once again.
However, I'm now noticing another potential issue. EQ's CR shows an "activity designator" field for each of my accounts. Accounts #1 and #2 both show blanks for this field. For comparison, two other accounts (#3 and #4) I had previously settle shows the activity designator as "PAID" and both resulted in an increase to my scores across the 3B.
For background, all of these accounts charged off in 2019.
My question is esentially whether or not this field should show PAID for both, and if that is what is contributing to the drops in scores? Happy to share screenshots of these accounts if this isn't clear or as cut and dry of a question.
TIA!
