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hey my husband has a collection account on his reports from Stuart Allen and Associates and I was wondering have anyone every has any contact with them? if So help please this collection is reporting from 10/2011 and I dont remember them contacting us, so I really dont want to wake sleeping dogs but would like to get it deleted it possible.
How much is the debt? Are you trying for deletion without payment? That would be quite difficult.
it just $175 and i am more than willing to pay it if they will do for a deletion. I just dont want to wake a sleeping dog and then they update the DOLA on the report and wont accept a PFD because the DOLA as of now is 12/2011. we are looking to apply for FHA loan at end of this month and it they update the DOLA that will look like a new collection account.
Go for a PFD, and actually the DOLA really has no bearing on your scoring.
But doesn't the DOLA make it look like a new collection to creditors?
Nope, the DOFD sets the age of the debt.
@Anonymous wrote:But doesn't the DOLA make it look like a new collection to creditors?
The DOLA is used for far too many things. If they used that to make determinations, nobody would have good credit.
ok thanks a bunch you guys....I have gotten around 7-9 collections deleted from his reports and this is the last one on there. his myfico TU went from 538 on June 2012 to 663 on 2/5/13 and that was before another CO got deleted just leaving this one.