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Unsure what to do about one of the last few derogs I have

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Anonymous
Not applicable

Unsure what to do about one of the last few derogs I have

Attempting to remove the last few things I have negatively affecting my score. This one is an old one, showing as paid/closed (as a collection). I'm not entirely sure if I paid this originally or not, so not sure whether I should start with DV/PFD, or skip straight to GW letters to get it removed.

 

 

 

Shows up on myFico as:

 

Diversified Adjustment
Original Lender--Sprint
Original Balance--$155
Current Balance---
Status--Paid account/was a collection account, insurance claim or government claim or was terminated for default
Date Assigned--Aug 15, 2012
Account Number--XXXXXXXX
Account Holder--Individual
Description---

 

 

Experian shows:

 

DIVERSIFIED ADJUSTMENT

 

Address:
 600 COON RAPIDS BLVD NW
  COON RAPIDS, MN 55433
 (763) 780-1042
Account Number:
XXXX
Original Creditor:
SPRINT
 

Address Identification Number:
  XXXX
 

Status:
Paid, Closed.
 
 

Date Opened:
08/2012
Date of Status:
01/2013
Reported Since:
10/2012
Last Reported Date:
01/2013

Type:
Collection
Terms:
1 Months 
Monthly Payment:
$0
Responsibility:
Individual 

Credit Limit:
$155
High Balance:
N/A 
Recent Balance:
N/A
Recent Payment:
N/A

 

 

 

 

Message 1 of 10
9 REPLIES 9
Anonymous
Not applicable

Re: Unsure what to do about one of the last few derogs I have

I had a paid, closed account through the same collection agency. I wrote a GW letter and they removed it very quickly. It was removed before I received a letter from them.

Message 2 of 10
Anonymous
Not applicable

Re: Unsure what to do about one of the last few derogs I have

I'll give that a shot. Did you email or regular mail the letter?

Message 3 of 10
Anonymous
Not applicable

Re: Unsure what to do about one of the last few derogs I have

Depending on what the DoFD is you might be able to get an EE for it
Message 4 of 10
Anonymous
Not applicable

Re: Unsure what to do about one of the last few derogs I have

I used the address listed on the credit report.

Message 5 of 10
RobertEG
Legendary Contributor

Re: Unsure what to do about one of the last few derogs I have

There is no longer a debt, and thus nothing to pay in exchange for deletion, and no debt to validate or to impose a cease collection bar.

The process is to request their good-will deletion.

Message 6 of 10
Anonymous
Not applicable

Re: Unsure what to do about one of the last few derogs I have

Update. I sent an email to their general email address and received a response that they are removing from all 3 bureaus!

 

 

Thanks all for the help. I'm now down to 1 medical collection and 1 collection I'm refusing to pay that will drop off next year. Not worried about SOL as its beyond it (gotta love Texas' 4 year SOL)

 

Message 7 of 10
RonM21
Valued Contributor

Re: Unsure what to do about one of the last few derogs I have

That is great! On the medical collection, I've read a lot of success stories with people getting them removed. You should give it a shot if you haven't already.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 8 of 10
Anonymous
Not applicable

Re: Unsure what to do about one of the last few derogs I have

Yeah unfortunately it's paid, and I've been unable to make sense of the post-paid process, so I've just been attempting some GW letters

Message 9 of 10
Anonymous
Not applicable

Re: Unsure what to do about one of the last few derogs I have


@Anonymous wrote:

Yeah unfortunately it's paid, and I've been unable to make sense of the post-paid process, so I've just been attempting some GW letters


That IS the "post-paid process"....

Message 10 of 10
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