Collection is incorrect- DV or let fall off?

[Anonymous]

CRA's.  You can take a screen shot of your payment.  Save it as a picture.  Upload that picture when you dispute to the CRA's for documentation.  That will help you get it removed.  Reason for dispute:  account already paid.  In the comments section, state "I paid this via another CA"  Debt was settled.  This collection is invalid.

That will be your quickest route.  You still need a copy of your credit reports though.  They are free and you will need the report number on them to dispute the account.

[carolinakiwi]

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@Anonymous wrote:

CRA's.  You can take a screen shot of your payment.  Save it as a picture.  Upload that picture when you dispute to the CRA's for documentation.  That will help you get it removed.  Reason for dispute:  account already paid.  In the comments section, state "I paid this via another CA"  Debt was settled.  This collection is invalid.

That will be your quickest route.  You still need a copy of your credit reports though.  They are free and you will need the report number on them to dispute the account.

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Thanks!  You've been helpful.  :-)

[gdale6]

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@carolinakiwi wrote:

Thanks.  :-)

Would you be able to explain your opinion more on why a GW instead of a DV?

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A DV could end up in the TL being updated, but I see that one of those entries has just been placed on your report. I suggested the GW with proof of your payment because it would show them that they have made an error and have been reporting erroneous information..

[carolinakiwi]

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@gdale6 wrote:

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@carolinakiwi wrote:

Thanks.  :-)

Would you be able to explain your opinion more on why a GW instead of a DV?

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A DV could end up in the TL being updated, but I see that one of those entries has just been placed on your report. I suggested the GW with proof of your payment because it would show them that they have made an error and have been reporting erroneous information..

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Thanks!

[Anonymous]

Im new to these abbreviations. Can someone tell me what CRA AND FOAD is? And other terms as well? Some are self explanatory.

[carolinakiwi]

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@Anonymous wrote:
Im new to these abbreviations. Can someone tell me what CRA AND FOAD is? And other terms as well? Some are self explanatory.

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I understand.  All the abbreviations can be overwhelming.  CRA = credit reporting agency.  I'm not sure what FOAD is because it's not in the abbreviation list.  Here's a link to the abbreviations commonly used.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Guide-To-Common-Abbreviations/m-p/224988?jump=true

[Anonymous]

Yaaaay a list! That's exactly what I needed! Thanks!