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Is there any harm in GW'ing an old CA that no longer owns the debt? I have an old that is still on my reports but has zero balance, as the debt has been sold to a new CA. It's scheduled to fall off in about 6 months. Wonder if I'm exposing myself to anything by contacting them?
Since it's only 6mos to drop off, I myself would not bother sending a GW letter.
Are you wanting to apply for credit, anytime soon for something?
Well, I'd like to. However, I've only had my 1 cc since March so I doubt any prime lender will accept me until I have 12 months of solid history anyways.
There is no harm in continuing to ask for GW deletion. That is private business between the two of you. it is not improper to ask someone for a favor that is not prohibited by law, and the FCRA has no prohibition against the deletion of previously reported information
Even if the credit report exclusion period expires, there is still benefit from getting the collection deleted from your credit file.
Expiration of the 7 years plus 180 days from the DOFD on the OC account thereafter blocks the CRA from continuing to include the collection in any normal credit report they issue, but the information is still in your credit file. Under rare circumstances, set forth in Fcra 605(b), a party can still request and obtain a credit report that includes the normally blocked information about the collection. Requests for credit that involve a principal balance of $150,000 or more, for example, permit the potential credtior to request and obtain a full credit report that includes the normally blocked information.
This is not a serious concern, as creditors apparently hardly ever invoke requests for normally excluded information. However, it is just an example of a condtion where deletion of the information from your credit file could still be beneficial, even if the normal credit report exclusion period has expired.