My Fico 3B reports are listing 7 paid and unpaid COs as revolving accounts with payment details, is this correct? This is really hurting my payment history.
Has anyone else experienced this?
What should I do if this is incorrect?
I've looked at my other reports and while they are not reporting as revolving, they are list under 'Other' while other COs are listed under 'Collections'. But even if they are not reporting the same on my reports directly from the CRAs, by FICO reporting this way, wouldn't that cause a miscalculation of my FICO scores?
Thank you in advance 
No, given that the scores are from the bureaus themselves and the 3B report is simply an interpretation of the bureau data.
That said, a charge off is a derogatory on an OC (original creditor) tradeline; if it was a revolving account previously, it'll be a revolving account now and it will count as such if it still has a balance to my knowledge.
End of the day the bureau dataset is reference; pull them from annualcreditreport.com if you need the first-hand knowledge... everything else, including myFICO, has a presentation which may not be 100% accurate when it comes to details like this.
@Anonymous wrote:
But that's the thing, they were never revolving accounts, unless utilities and wireless service count as revolving. Although, I highly doubt that.
They don't but they're so new in terms of being regularly reported under the new standards (wireless plans used to be reported as installment circa 2000 but that got nixed somewhere) that it's not surprising to me that there's some wonky interpretations in the 3rd party report services.
Pull the reports from https://www.annualcreditreport.com/ and see what they say.