Hi, while reviewing my girlfriends credit report I can see the following at the top from Equifax:
Potentially Negative Information
Late payments, collections and public records can have a negative impact on your credit standing. The more severe and recent they are, the more negative the potential impact might be.
Public Records 0
Negative Accounts 19
Collections 0
When I go to the bottom and view the Negative Accounts there are 2 sections, Open Accounts and Closed Accounts. The Open Accounts lists 1 account that is currently being paid off.