I had a CA account from Portfolio Recovery on my report. They were trying to collect on an old credit card I had over five years ago. They were trying to collect on a completely false debt that they inflated with fees and interest. I settled the credit card debt with the original creditor so, this should never go into collections.
Anyway, I submitted an online dispute through Equifax and I just received my results. The CA will be deleted! They didn't furnish any verification of their debt (as it's completely bogus) so, OFF it goes! I'm so excited!
EQ did provide an updated report with their dispute results and sure enough, that CA was no longer on there. Now I'm just waiting for ScoreWatch to detect it...
Congrats... PRA isn't one of my favorite peoples btw. 
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
They're nobody's favorite. Lowdown dirty scoundrels 
. Congrats on ridding yourself of those maggots!!!
. Congrats on ridding yourself of those maggots!!!
@macuserftw wrote:I had a CA account from Portfolio Recovery on my report. They were trying to collect on an old credit card I had over five years ago. They were trying to collect on a completely false debt that they inflated with fees and interest. I settled the credit card debt with the original creditor so, this should never go into collections.
Anyway, I submitted an online dispute through Equifax and I just received my results. The CA will be deleted! They didn't furnish any verification of their debt (as it's completely bogus) so, OFF it goes! I'm so excited!
EQ did provide an updated report with their dispute results and sure enough, that CA was no longer on there. Now I'm just waiting for ScoreWatch to detect it...
Grats to your success 
Congrats!
Starting Score: TU 490 on 11/2012
congrats
Thank you everyone! This forum is amazing when it comes to finding helpful information. I would've had no idea to actually dispute these errors on my report if it weren't for this site. I made some silly mistakes while I was a typically (financially) irresponsible 18 year old that I'm still paying for. I'm just excited to start my journey to having good credit. I have a couple more small dings on my report that are due to fall off in a couple years (2016) and I can't wait.
Meanwhile I have a student loan that I've paid half the balance on - and I've never had a single late payment for the 4 years I've had it. I just recently took on a 36 month car loan - and of course all my payments for that are on time as well. In a few months I'll probably open a secured credit card through my credit union. I'm hoping to reach the 700 club in a couple years (once the baddies fall off).