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@uofm wrote:
Yup hopefully, I paid off my stars card and only have one baddie on my report from 6 years ago. I was deploying to Iraq and had my girlfriend (wife now) go to Verizon to shut off my phone. Turns out they didn't and it turned I to a 600 dollar collections. Did everything I could to get it off my report and they wouldn't. So I have perfect payment history on everything I've ever financed or borrowed, but one negative which was stupid Verizon. So needless to say I switched to AT&T and have been waiting out this baddie paying everything else on time. Hopefully I get a nice little jump when it falls off I doubt it though since I'm in prime range already it must not be dragging down my score much.
Yeah as couple others have said you should dispute that baddie. SSCRA protects military from collection of debts that were accrued before a deployment. It should not have gone to colection while you were gone and you ccan certianly dispute it