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120 day late question


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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"?


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