Hello all, looking for some advice here. Recently had a GW accepted for a paid baddie and I'm making progress toward a clean report. However now I'm confused as to what my next move should be. Signed up for the TU quarterly monitoring and discovered an HSBC charge-off listed as bad debt in the amount of $591.00 (date opened 3/2005 and closed on 9/2005). Under the description is says it was purchased by another lender.
However under the Collections portion of my TU report, it is not listed. So my question is should I:
1) Send a DV letter to the OC?
2) Call the OC and ask him who purchased the debt? Then send a PFD to however purchased it.
3) Do nothing and let the debt fall off next year?
My goal is to having a clean report as quickly as possible. I don't want to wait the potential 1.5 years for it to fall off. I think PFD would be my quickest route to a clean CR. I'm just not quite sure how to go about initiating contact.
Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico
My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)
My Primary Financial Goal is to put down my utl%.
