I have two small collections from 2007 that are expected to be deleted by 9/12. Should I just let these fall off on their own or first dispute the debt and then if they verify offer a pay to delete? The old one from Cox is complete BS as they claimed that I didn't return cable box. The other one is a medical collection that is probably valid for around $100. If I remember correctly this was from a bill that insurance company didn't pay. Recommendations? Duncan
Personally, unless you are going to pay them, I would just let them fall off. I would not chance there showing recent activity. I know I know they say the date cannot change, but why chance it. You have lived with it this long, what is three more months?
100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
I probably owe the medical bill and I prefer to pay debts. Cox one is complete BS but I want those scores off. My goal is to improve my credit as fast as possible so can refinance in 12-18 months. So towards that end, I want them off. But I don't want to do anything stupid and keep them on longer. Duncan
