Rebuilding credit need advice

pphilpot · ‎06-28-2011

I got an alert on a new collection on my credit file.

I found out the new collection agency does not have the file any longer,

but they wont remove it from my credit file. How will I be able to get it removed...

The debt is paid directly to the original creditor...

Lender pull:
10/2010: EQX 568 EXP 622 TU 555
02/2011: EQX 575 EXP 605 TU 571
06/2011: EQX 601 EXP 598 TU 593
07/2011: EQX 612 EXP 622 TU 598
07/2011: EQX 594 EXP 602 TU 654...Ultimate goal 700+

rootpooty · ‎10-28-2011

Your post is a bit confusing. I had to read it several times. When did you get the alert of the new collection? Was the OC reporting also? Is the CA reporting a closed with zero balance? If not that's all they are obligated to do. The only thing you can do now is send the CA some GW and see if that works.

pphilpot · ‎06-28-2011

The original creditor (ATT) did not list the debt on credit bureau

only the collection agengy did

So my question is since the debt was paid directly to the original creditor (ATT)

can I have the credit bureaus remove the collection agencies listing since the debt was paid and they were not the listing agency did and does not have the account, they lost the account.

Lender pull:
10/2010: EQX 568 EXP 622 TU 555
02/2011: EQX 575 EXP 605 TU 571
06/2011: EQX 601 EXP 598 TU 593
07/2011: EQX 612 EXP 622 TU 598
07/2011: EQX 594 EXP 602 TU 654...Ultimate goal 700+

Shogun · ‎04-15-2011

Send them a GW and ask that they remove it.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Sto...

Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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