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Just wondering about collection ....should I or not

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amercnchopz34
Established Contributor

Just wondering about collection ....should I or not

I have 1 last collection account .....on my EQ report does not show as   IIB.   ( BK chap 7 from 2005)........TU same thing....both appear to be dropping off in December of this year....

 

EX list it...... IIB...drop off in June....

 

Should I try and dispute TU and EQ or just ride it out 6 months???


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amercnchopz34
Established Contributor

Re: Just wondering about collection ....should I or not

anyone??


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chasmith
Valued Contributor

Re: Just wondering about collection ....should I or not

I don't see anything to gain - changing it to IIB won't change when the other bureaus drop the item.Chances are at that age it's having a relatively minimal impact on your score.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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