So, recently i have been dicussing here on the forum about a 2 year old medical collection. I wanted to try and work a pay for delete situation with the CA. I spoke to the CA last Friday, they stated they would do a pay for delete if I wired the complete balance to their bank. Once receiving the $$, they would start the process for a delete from TU, EX, and EQ and mail me a letter stating as such.
Well, to explain more about this I have to say that in the past few months my journey to rehabbing my credit found that I had this medical collection as well as a double hit of a charge off from Chase. The Chase account originally was with Providian. Chase subsequently classified it as a charge-off and sold it to Pinnacle. So, on my 3 reports, it showed as charge off with Chase and then a collection with Pinnacle. Researching on MYFICO as well as other places, I learned a graet deal. One thing I learned was the subject of early exclusions. I managed to get EEs on both the Chase and Pinnacle derogatories for both TU and EX. EQ as is well known, is a stickler. I know it is not supported or approved by My FICO to dispute a negative in order to obtain an EE. However, I tried it with EQ. This morning I received an email from EQ stating they completed the dispute process. I logged in to find that they found against me and it remains. The drop off date for this on EQ is Feb 2016. I suppose based on the knowledge that EQ will delete 1 month early, this will drop off in Jan. No big deal.
Now, this leads back to the medical collection PFD. I got curious and decided to go into my EQ report backdoor via dispute to see what things looked like. I noticed in the negative category it showed only the Pinnacle account. No longer showed the 2 year old medical collection. So, I got curuious enough that I refreshed my 3B report. EQ shows only the Pinnacle account as a negative. The 2 year old medical collection is gone. EX shows no negatives at all. TU is still showing the 2 year old medical collection (I assume it just hasnt been deleted there yet for whatever reason but hopefully will soon).
Now comes the reason I titled this (PFD success??) I see no change in my scores. Is there a delay in that? How long? I would think a 2 year old collection being deleted would bring a significant boost in score. Am I reading this all correct that the CA has actually started deleting the 2 year old medical collection from my reports? I apologize if this whole post is confusing/disjointed. I tried to word it as non-confusing as posible.
