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Paid off a collection account last year. The OC, Credit One, continues to report negative paments status.
I called Credit One to explain the situation and they weren't much help. Shortly after, EX removed the
tradeline entirely. Below is what is currently report on EQ, while the payment history index shows as
"paid as agreed" every month still (since it's been paid off). I'm baffled. TU is similar, only reports as
as "Charge-Off as Bad Debt" in payment status. My FICO scores are dramatically different, 678 on EX,
589 on EQ, and 590 of TU. Should I dispute to EQ and TU to change the payment status? Or would
that hurt my score further or potentially have it added back on EX?
Details | |
Account # | 444796XXXXXXXXXX |
Original Creditor | - |
Company Sold | - |
Account Type | Revolving or Option |
Date Opened | May 2015 |
Account Status | Closed |
Payment Status | Bad debt & placed for collection & skip |
Status Updated | Jul 2019 |
Usage | 0% |
Balance | $0 |
Balance Updated | Jul 26, 2019 |
Credit Limit | $300 |
Monthly Payment | - |
Past Due Amount | $0 |
Highest Balance | - |
Terms | - |
Responsibility | Individual Account |
Your Statement | |
Comments |
@Anonymous wrote:Paid off a collection account last year. The OC, Credit One, continues to report negative paments status.
I called Credit One to explain the situation and they weren't much help. Shortly after, EX removed the
tradeline entirely. Below is what is currently report on EQ, while the payment history index shows as
"paid as agreed" every month still (since it's been paid off). I'm baffled. TU is similar, only reports as
as "Charge-Off as Bad Debt" in payment status. My FICO scores are dramatically different, 678 on EX,589 on EQ, and 590 of TU. Should I dispute to EQ and TU to change the payment status? Or would
that hurt my score further or potentially have it added back on EX?
Details Account #444796XXXXXXXXXX Original Creditor- Company Sold- Account TypeRevolving or Option Date OpenedMay 2015 Account StatusClosed Payment StatusBad debt & placed for collection & skip Status UpdatedJul 2019 Usage0% Balance$0 Balance UpdatedJul 26, 2019 Credit Limit$300 Monthly Payment- Past Due Amount$0 Highest Balance- Terms- ResponsibilityIndividual Account Your Statement Comments
Is this a collection or a charge off?
It is the origional account that was charged-off, then paid in full.