What should I do?

[fixmycred14]

I agree. There's not a whole lot of recourse once you mess up. You're fine as long as you pay and on time. If not, there's a million and one ways to make your life a living hell for a long time.

[guiness56]

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@Timbrooks08 wrote:
I know its bad advice but I feel its criminal to punish someone that long.

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At least it is only 7 years now.  The way the FCRA was written before a debt could stay on your entire lifetime.

[fixmycred14]

What! Really? I almost choked...wow.

Please tell me what to do about HSBC & Cavalry...

[Timbrooks08]

I was lucky most of my debt collectors agreed over the phone to remove but that one is a tough nut. I'm thankful because my fico has raised 100 plus points since March all it takes is dedication and persistence.

[Timbrooks08]

You can try a pfd with calvary but they won't budge best option if they validated the debt is to pay them. I would start with a dv and if they validate pay them.

[guiness56]

I would send them a DV but they are not obligated to respond.  They just cannot continue collection activity until they do.

[fixmycred14]

Thanks for that...wow congrats! 100 points is really awesome.

I've had some minor success...from my scores in 30 + days. The addition of the PRA baddie that's so new is really affecting my score. I'm so frustrated with them.

[Timbrooks08]

For 30 day late u heard it only affects your score for two years. You can get it current and send a gw letter asking them to removed the late payments

[fixmycred14]

No, I saying in 30 + days my scores have increased.

[Timbrooks08]

That's great I misread your post. It's like they say credit repair is a marathon not a sprint.