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Paid Collection Reporting Negative Payment Status

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Paid Collection Reporting Negative Payment Status

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
2 REPLIES 2
Regular Contributor

Re: Paid Collection Reporting Negative Payment Status


@adamhight 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 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

Is this a collection or a charge off? 

   
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MYFICO Proud Garden Club Member: 

Message 2 of 3
Highlighted
Member

Re: Paid Collection Reporting Negative Payment Status

It is the origional account that was charged-off, then paid in full.

Message 3 of 3
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