Current status - 90 days past due but $0 balance - how is score affected

[MizzB]

I have two accounts with a zero balance for a substantial amount of time that are reflecting a current status of "90 days past due" and "120 days past due." The first account is an auto loan account that has been PIF for six months and was not 90 days past due when paid. As a matter of fact, it wasn't past due at all. The second is a collection account that was paid five years ago. I only worry about this because both accounts show this little flag by them that I believe indicates that they are current in a bad status. I've contacted my auto lender and they dont know why it is reporting that way and have agreed to update it. The collection agency is giving me the run around. Main question is ..... how is this affecting my score? Yes, I have other bads and other goods, but I want to fix every little incorrect thing that I can in hopes that I'll be moving back in a positive direction.

Thanks for any help!

[AndySoCal]

Since the collection is showing a zero balance I would not do anything with the account. The delinquent status should have minimal impact on the score in my opinion collection account status the bigger impact. The collection account being 4 to 5 years old  the impact is lessing as time progresses. Also, with current FICO score model if you were to get that fixed the account would re-report. the account re-reporting would show a new date reported bringing the account forward in time whish has potential to / could lower your score.

[MizzB]

I think I'll just leave the collection alone. Dont want it to update someone and drop my score even lower. I think I'll just focus on getting the auto loan udpated. Thanks for the feedback.