09-14-2012 07:48 AM
09-14-2012 07:53 AM
Outshining the master Amex can prove to be a daunting task. I wouldn't worry about them softing you and finding out about the collection, however, with that said, write to the CRA and have them prove the verification of this collection - just don't threaten them, because, I've found that you attract more bees with honey than vinegar..
09-14-2012 08:18 AM
Instead of worrying about your current creditors taking AA against you id be more worried about getting that collection off the reports. First things first, was the collection removed via CRA dispute? If so they were supposed to notify you prior to re inserting the account (if its the same one)
09-14-2012 09:27 AM
09-14-2012 09:38 AM
09-14-2012 12:02 PM
typically you were supposed to recieve a dunning 5 days prior to the new CA reporting. you got lucky with the first CA removing their reporting cause generally what most due is just report as closed with a zero balance and then the new CA would report the amount owed. So you would then have 2 CA's reporting
09-14-2012 01:18 PM
It was a collection that was sold to another collection agency and it shows as most recent!!! opened 08/29/12!!! .... no other info was listed (original creditor, or DOFD from the OC).... am crossing my fingers that it won't affect my amex.... does anyone know if new negatives affect CLI on GE store cards???
I *think*, and I might be wrong but I believe they have 30 days to report the DOFD. If it were me, I would be overnighting a request for validation to their addy listed on the credit report.
100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/0~ last credit card app 6/24/13- New car loan 3/8/2014
09-14-2012 06:38 PM
thanks for the responses everyone.... I disputed it on my equifax because that is where it is showring, i checked my EX and it's not there (yet).... and I'm not sure bout my TU.... is it possible that they only reported it on EQ??? and never on the other two???
09-14-2012 06:44 PM
09-14-2012 06:46 PM
Usually if its on EQ it would already be on EX, TU is slow to report.
Yea, that's what I thought since EX is the fastest one.... so, they didn't report it on EX???
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