leanordjenkis Posted April 6, 2008 Report Share Posted April 6, 2008 Guys, gals:Hello! Hope everyone is doing good. Here's a question: Had a CRA verfy info on a studentl loan that was a chargeoff but now is rehabbed and with another company in good standing. The CRA had it posted as in collection but when I requested an investigation, they changed it to six 120 day lates. Because of this my FICO actually went up. Should I push for it to be changed to a chargeoff? Will that dip my score? ie- What's better for your score, "120 day" lates or "CO"?Thanks!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Link to comment Share on other sites More sharing options...
willingtocope Posted April 6, 2008 Report Share Posted April 6, 2008 Lates are better than CO'd. Although you'd probably never to get a loan officer to agree to this, my guess would be that lates on student loans are almost expected. Link to comment Share on other sites More sharing options...
leanordjenkis Posted April 6, 2008 Author Report Share Posted April 6, 2008 Thanks for the answer! Link to comment Share on other sites More sharing options...
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