Your VantageScore reason code report

Continue to enter your reason codes, one at a time, in the search field in order to generate a list of printable explanations below.

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CJ: Too high proportion of collection agency accounts are unpaid

Explanation:

Some collection agencies report account information to credit bureaus just like lenders do. Your credit file has too many accounts that have been sent to a collection agency and remain unpaid. Unpaid collection accounts in your file can have a significant negative impact on your credit score.

What you can do:

Satisfy all collection accounts and pay all other accounts on time each month. The impact that negative items such as collections accounts have on your credit score will diminish over time.
 

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