Collections falling like leaves!!!

[princechristian]

Ok so I am down to ONE collection! Started with +10 earlier in year! Best part is that I have not had to pay 1 cent for any even though I offered PFDs to some. Recent two that fell off were Hollway Credit Solutions and NORTHEAST SYSTEMS! Sent PFDs via email and postal, to no avail. Finally decided to simply dispute them both online, separately because they were not on same report. One was Equifax and other Experian. Both fell off from these disputes. Holloway was near SOL, Northeast was not. Only one left now, CMI Group, Credit Management International, and they are TOUGH! 

Credit file is looking a lot better now. Equifax is worst looking file because although they are no more collections left, the late auto loan payments are ONLY on Equifax. Experian & Transunion file look better with no auto loan lates on either aside from collection. Thank you all.

[Jutz]

Ah, I forgot you also had CMI.  PM incoming

[Epcot]

That's some great work, congrats!

[RobertEG]

I suggest keeping a close eye on your credit report, with a view at any new collection reported.

Deletion of the collections could mean that a new debt collector could pop up.  With deletion of the prior collections having resulted in their apparent failure to have verified the accuracy of their reporting during your dispute, any new debt collector is required to first provide pre-certification before their collection can be entered into your file.

If the new debt collector follows the FCRA process and provides such pre-ceritification, the CRA must send you written notification of their reinsertion within 5 days thereafter.

So you will get timely notice.  Dont let one slip in without having followed the required pre-certification of accuracy process.

[princechristian]

Thanks! 

Already aware and will keep an eye!