Reply
Valued Member
Posts: 41
Registered: ‎09-24-2010
0

Simple Question...I think.

Both the OC and CA are reporting a old paid collection account to the CRA's.  If I get the CA to agree to a GW, will the OC automatically be removed with it?  Or do I need to send them a GW too?  Thanks.

Established Member
Posts: 34
Registered: ‎09-22-2010
0

Re: Simple Question...I think.

I believe that is true, that they will both be removed, but maybe the brain wizards around here can correct me if I'm wrong...

Senior Contributor
Posts: 4,191
Registered: ‎03-24-2008
0

Re: Simple Question...I think.

Hi larryb and Welcome to the forums,:smileyhappy:

 

Sorry but no,one company can not delete what another company has reported to the CRA's.

 

So you would have to send one GW to the CA and another GW to the OC.

 

You said this was an old CA....... What is the date of removal from your CR's?

FICO's May 2015 EQ764 ~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Epic Contributor
Posts: 20,657
Registered: ‎03-19-2007
0

Re: Simple Question...I think.

+1

That also applies to PFD offers made before a debt is paid to one or the other.

Only the party who reported the derog, whatever it is, can report its deletion to the CRA.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.