More details would be helpful. Basically, if we're talking 30, 60, 90, 120 days late then they will show up as such. But if we are talking charge off then that is worse than even 120 days late. And then a collection agency (CA) will buy the account and try to collect. Then you'll have TWO bad tradelines (TL) one from the original creditor (OC) and the second from the Collection Agency (CA) and THAT will hurt your credit. No, if you want to send more details about the type of debt and how late, perhaps we can help you more. G.H.
