djshabazz wrote:I currently have no credit cards on my credit reports except for a closed secured card from 1999. My scores are EQ 777 TU 668 and EX 656. TU and EX have one collection on them that is pulling my score down, everything else is about the same as my EQ report. I am trying to get the best mortgage rates but i probably would need a middle score of 720. Would applying for a CC company that just pulls from EQ help me out since my score is so high or should I just wait to get that collection off? I sent the CA a DV letter in November and they haven't responded.
djshabazz wrote:Yeah, it was my first DV letter and I may have made a mistake by not sending it certified. Do I have another chance to send it certified if they updated my report on 12/1/07. It is now reported on my account as closed as of 12/01. Maybe they won't verify this time and I can get it removed. It's only a $100.00 collection. Would it suffice to say that since they closed the account I can't pay it off?