Should I dispute this?

Anonymous · ‎11-01-2007

Thanks to everyone on this board I have moved my Equifax score from 587 to 624 in a little over 1 month. I paid off a few collections and got my CC utilization down from 90% to 30%. I should have it below 10% in another month.

I have a question about one of my paid collections though. I just ran an Equifax report and under the "Negative Accounts" section they are still listing one of the collections I paid off. None of the others I've recently paid show up in here. The details from the report are below. Should I dispute this? Should it still be showing up as a charge-off or is this one of those things where I'm just going to have to wait for it to drop off?

Negative Account History

GEMB/DILLARDS 10/1993 9/2007 $0 Charge-Off

MidnightVoice · ‎11-01-2007

Is it accurate?

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

Anonymous · ‎11-01-2007

I guess it's accurate. I'm not really sure what should show up after you've paid a collection. Shouldn't it show that it was paid?

MidnightVoice · ‎11-01-2007

I believe a balance of $0 means it is paid

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

Anonymous · ‎11-01-2007

Maybe I just got lucky with all the other things I paid off. None of them show up on this report.

SmartCookie · ‎11-01-2007

GW letter unless it is set to drop soon.

Nice work!

EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***