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Does anyone know if there is a minimum amount that can be reported to the credit agencies? I currently just ran a credit report and found out that i have 2 accounts reporting as collections, one for $5 and one for $15. Any help would really be appreciated!
Wow...That's the lowest I've seen. And unfortunately the balance doesn't matter per FICO. It could be $10k more and the score would have taken the same hit. And unfortunately, there's no minimum.
I'd send both a DV letter. Maybe they'd realize how silly it is to report $15 and $5 and delete.
Per their credit reportingmanual. it is $1.