1) Accts in good standing, how can one paid collection be in this catagory and another paid collection be in the "Potentially negative" catagory? The "in good standing" acct will not fall off until 2014 because of the good standing status. Can it be deleted? 2) Can you do anything to keep those "good accounts" from falling off? ex. a loan paid off in '99 is about to fall off, I want to keep it on there,can it be done?
I've seen a couple of collection agency accounts in the satisfactory section of a report. Its been on Experian, and the CA has reported that the account was an installment type account.
As to #2 - depends how long the creditor decides to report it on their monthly reporting date. Back in 2005 I bought a car, the car loan was reported on a monthly basis as a positive account, but paid it off in July 2007. That information hung around until February of this year but since then has disappeared. Same with a US Bank credit card. Once the balance was down to 0/zero and not used anymore they just didn't report it anymore.
