I admit I haven't paid for some things and those accounts were turned over into collections. I really do plan on paying them when I get the money..hopefully soon. Then afterward I want to start fixing up my credit. But I just pulled my credit report, everything on there I pretty much expected except for one thing. I noticed a particular collection account has a few late pays. Confused me a little, can collections accounts have late pays reporting? Is it normal for them to have them? Is this something I should validate directly with the collection agency or should I dispute with the bureaus if this is something inaccurate? I don't want this showing because I know it's worsening my score. Any input or general laws about collection reportings would help..thanks!