Well what do you know, just as I am right in the middle of applying for a mortgage a new collection pops up out the blue! It is for $176. the original creditor is municipal court (I believe this is a very old traffic citation that is just now coming back to haunt me). What should I do? Should i send a DV letter? should I PIF the CA? I am not sure that i can do anything with the OC considering that it is a court system. Any advice on getting this deleted is greatly appreciated. Also if I dispute the item will it not be counted in my fico scoring during the dispute process?
Thanks!
