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TrueCredit Pay Status: (none) vs. Collection/Charge Off


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I noticed that my EX report has finally updated on their website, with two previous CO accounts showing in "good standing". I wasn't sure why this was until I checked my TC report a few minutes ago.

The pay status is showing a blank on my EX column for those two accounts. A: Will this increase my score? B: How can I make this happen for all my paid CO accounts?

Any comments, suggestions or concerns are very welcome.

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I noticed that my EX report has finally updated on their website, with two previous CO accounts showing in "good standing". I wasn't sure why this was until I checked my TC report a few minutes ago.

TC does not report completely. EX isn't reporting the CO in "good standing" just b/c TC isn't reporting a pay status. They don't communicate that way. EX does this (mostly) when an account is paid w/o no history reporting, regardless if it's a CO. HOWEVER, FICO doesn't see it that way. If FICO sees a CO or any negative status, then it's going to calculate it accordingly. It is not helping your FICO score, although your EX Plus score may increase.

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