Dispute Accounts or continue to pursue a PFD

[newmom24]

Good morning, I am desperately trying to improve my credit score. I've been working diligently toward improving them with little result (Nordy's deleted after PFD). My question is, should I dispute the accounts and risk losing points if they are verified, or should I email big wigs for these companies (namely Afni and Midland to name a few) and hope they will delete. Please advise. I have the money to pay. I've disputed before and had accounts removed and some updated. Thanks

[Anonymous]

Are they yours?

Midland is not easy to work with, I'm finding AFNI is not very easy either.

[Anonymous]

You don't lose points just by having an account "verified".

But definitely try other avenues (which the experts here can help with) before disputing.

[dragnldy]

You don't lose points just by having an account "verified".

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However, you could lose points because of the updating of derogs on the accounts.  DV the CAs.