i am all about some instigating
as long as you know its nothing that affects you much and your attacking soley on principal, be my guest. myself included there are many here who stand behind you on this and say screw that big cororation and their paltry 19 collection. if they werent willing to work with you why put it on your cr in the first place.
The only concern I have right now is that they're only reporting to EX. I'd hate to push back and have them report to all three in retaliation, but by the same token I really want to push back on them. I'm going to have to noodle this one.
Starting Score: 578 (3/11/13)it comes down to timing. in my case i own my home, have a car, have job and can atm only gain wants with good credit. im not apping for anything until derogs fall off. everything on my report is now outside sol. i have nothing to lose by instigating ca's. i also have family attorney and money in savings to satisfy my debts. i have read you log undoing the follies but i read so much on here i cant remember your exact situation. but if your in my boat poke away.