No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I'm going to refi my home loan very soon. I'd like to get my FICO scores up
TU - 710 (my fico)
EQ - 698 (my fico)
EX - 766 (at truecredit)
I only have one derogatory account - it's in old collection account from 2003 with Adelphia Cable for $206. I disputed it and it came back as verified from Time Warner Cable, after the dispute Time Warner sent me a collection letter.
I have a few questions that I'd love some help with:
1. If the account was with Adelphia Cable and Time Warner took over Adelphia do I still owe this debt?
2. Should I pay the $206 - I called Time Warner and they said they will not remove it and that they would only mark it as "Paid" but will this effect my current score?
3. If I do pay it off will the DOLA update? will it stay on for another 7 years because the reporting data is 12/1/2003 so it should come off 12/1/2010 right if I don't pay it.
4. Will the mortgage company even consider me if I have an open collection?
Thanks in advance for any help