care one and past due amounts

First of all, which program have you enrolled yourself with Careone Credit ???????? debt settlement or credit counseling?

i believe credit counseling, i'm making monthly payments

A few years ago I was involved with a credit counceling service...I think it might have been Care One. I remember that payments were still being reported as late even though they were not sent by me but were sent by Care One. I was being knocked with late fees as well as over limit fees. Things may have changed since then...but in my situation it was best to cut ties. I figured it out on my own and didn't pay any "donation" for them to help me.

I believe the credit cards may report your accounts as being enrolled in a credit management program when it comes to your credit reports.