One of my student loans that went to collections and was ultimately paid in full (by me) is reporting a current status of "120 days past due" and a balance of zero.
I'm thinking of calling Sallie Mae (the original lender) to have them strike this and replace with "paid in full" or similar. But maybe if I wake the dragon, he will now report as "gone to collections" or "chaged off" or similar.
Any advice?
Starting Score: 653 (11/1/2011 TransUnion)
Are you seeing that on your reports at MyFico or on your full CRA reports?
I ask because I have some that stay 120+/etc on this site, but on my full report, they report as "paid collection" or "pays as agreed"
I don't know what a "full report" is, but the TransUnion is from myFICO. I also have an Equifax with exactly the same Sallie Mae info that I got as one of my free annual credit reports.