confusing

[newstart]

I think credit reports are made to be confusing. Why are collections allowed to update their account if it has been paid in full for years. I have 3 collections showing zero balance but they keep updating when they reporting the information to the credit reporting agency. The agency told me they can do that but why would they keep updating the info when they aren't owed any money. I think this is affecting my score. I checked my score at fico and equifax/experian and 30 points lower than my transunion. Can I do anything about this?

[Tedderbear]

have you heard anything else about your loan with nlmc?