General Credit Topics

[2anewu]

Is a CO that goes to pay as agreed with no lates just as good as getting it removed? Also, can the creditor change this information once the CRA changes it? I disputed a CO and when I called EQ the rep pretty much asked me if it should say pay as agreed. I am making payments now but I kind of wanted it off my report. Should I even be worried about it now b/c it is still in dispute with the other agencies? Have a great weekend.

[cfstr1]

Sounds even better because it reflect a positive account history and depending upon how long ago it was opened it can have a real boost in your credit scores. Just be sure to keep your payments up and send them in early. Good Luck.

[Tuscani]

---

2anewu wrote:

Is a CO that goes to pay as agreed with no lates just as good as getting it removed? Also, can the creditor change this information once the CRA changes it? I disputed a CO and when I called EQ the rep pretty much asked me if it should say pay as agreed. I am making payments now but I kind of wanted it off my report. Should I even be worried about it now b/c it is still in dispute with the other agencies? Have a great weekend.

---

Not even close. You want it gone.

[Timothy]

I'm confused by your post. If this is an open account that is now Pays as agreed with zero lates this should be exactly what he wants.

---

Tuscani wrote:

---

2anewu wrote:

Is a CO that goes to pay as agreed with no lates just as good as getting it removed? Also, can the creditor change this information once the CRA changes it? I disputed a CO and when I called EQ the rep pretty much asked me if it should say pay as agreed. I am making payments now but I kind of wanted it off my report. Should I even be worried about it now b/c it is still in dispute with the other agencies? Have a great weekend.

---

Not even close. You want it gone.

---

[2anewu]

Okay? Now I am so confused.

[Tuscani]

Paid with no lates or not... it's still a collection.

[Timothy]

He must be sending you PM's because I see no mention of CA in his post.

---

Tuscani wrote:

Paid with no lates or not... it's still a collection.

---

[Tuscani]

I am assuming in went into collection after CO. Perhaps I am wrong.. OP, please confirm. If is was a CO that is now current with no derogs then you have nothing to worry about.

Sorry for the confusion.

[2anewu]

Sorry for the confusion. It is on my credit report as Citifinancial, but the account is in the hands of NCO fin (which is not on my report). I forget that it is not with the OC because I still see their name. I did call the OC and they have no record of the account and gave me a fax number for disputes. So is it trully viewed as a collection?