Mortgage and Insurance

I’ve got a collection with a Holloway collection agency, I’m trying to negotiate a delete for them, and I also have an LVNV.  The weird thing is, LVNV isn’t showing up in the collection section of either myFICO reports.  At 1st it showed up as a credit card. I sent a debt  validation to LVNV, they didn’t respond, so I asked the CA’s to delete. The CA’s contacted LVNV. 

 

LVNV responded to the CA’s. but then all the negative late pay marks were gone from LVNV, and it’s not showing up as a credit card account anymore either.   But the weird thing is, it NEVER showed up under collections on my FICO.  But it does on Experian,. It shows up as a “collection” on the direct from Equifax and direct from TransUnion too.

 

I wonder if it’s not affecting my fico as a classified as collection account and simply showing up as a “regular” account, should I just negotiate a settlement if they don’t delete.  If it’s showing up as a regular account on my FICO, I wonder a deletion of it would hurt my score.

 

I was trying to get a house before April 30th. I doubt I make it, I’m turning the majority of my attention to this Holloway collection that’s actually showing as a collection on myFICO. In the meantime, while I try and figure this LVNV thing out.  Cause I KNOW that’s showing up as a collection.  I’ve gotten my other paid collection deleted with a GW, so after Holloway is deleted *fingers crossed*   I wont have any more collectionson my account according to myFICO.