Hi I paid off a derogatory account 3 years ago. I
Hi I paid off a derogatory account 3 years ago. I recently checked my credit report and the account still states "Derogatory" under condition status instead of "Closed" or "Paid" with Transunion. With Experian it states "Open" and with Equifax it states "Paid". Can the creditor (law firm) allowed to report as derogatory even though I paid it off already more than 3 years ago? If I request them to report as "Paid" to all 3 credit bureaus do they have to? I am trying to clean my report and make sure it's up to date and accurate. Thanks for your help.