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Reporting excessive 90 day lates


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Is this just a TC thing? On my TC report, my Verizon CO is being reported as 16 90+ days late after the CO with Equifax. This is a paid CO by the way.

I read on here that 90 day lates can be reported if you still owe the balance after the CO, but since I don't... can they still report it this way?

I also read this online:

"INCORRECT recent late payments—MANY creditors report a charge-off every month, resulting in a 90+ day LATE payment rated by credit scoring software as LATE every time the creditor reports. The FICO scores are often lowered over 50 points by these INCORRECT late payments. A correctly reported charge-off from several years ago has little impact on the scores with good current payment history."


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