When people talk about "I have 6 negatives on TU" what does that include? Obviously it's charge offs, collections and settlements. Does that also include any and all 30 day late pay? and the more serious 60 and 90--120? If we could do an informal survey that would really help. So, in a nut shell, is a "negative" item an account in itself or an event? Thanks! AnnMarie (who always has questions about everything)
