I had previously read on here that the 'date reported' was important for your score. in other words, if i am paying down a 4 year old collectoin, the score will look at the aging of the last payment instead of the fact that's 4 years old (i had originally thought that after a few years these things hurt you less)
well when looking at my report today i see i have one CA that has a report date of 9/2009 and i haven't done anything with this account as its 6 years old and paid off.
so i'm wondering what do the scores look at...do they really focus on report date, or is it actually how old hte account is? is paying down CA's really hurting me? If so, why is the report date for one i've had no activity on changing?
