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I see two basic issues.... satisfaction of the debt, and dealing with associated credit reporting.
Is your loan officer concerned only with having shown satisfaction of the debt, or is deletion of associated credit reporting also necessary for loan qualification or to get a score giving a better loan rate?
Regardless of whom payment is sent to, if it is accepted as satifsfaction of the debt, then any reporting by the OC and/or debt collector must be updated to show $0, with the OC update to $0 reflecting satisfaction of the debt, and the debt collector updating to $0 reflecting termination of thieir collection on the OC debt.
Regarding the assocaited credit reporting/scoring issues, payment wont require deletion of any accurate reporting.
Disputing the collection for reporting of a supposedly inaccurate date of collection is not a path I would suggest. The date they may report for the open date of their collection is the date they received collection authority. I'm kinda at a loss as to how the consumer can have knowledge of when they received their authority. Regardless, even if inaccurate, they always have the option of simply correcting any inaccurate reporting, so it wont require any deletion of their reporting. Meanwhile, you would be placing a pending dispute in your file, which most loan officers frown upon. While peniding the dispute flag will remove certain OC items from your scoring, so I dont see that his advice is well-thought.
As for paying dish network and then disputing with the CRA, what would be the inaccuracy in reporting by the debt collector that resulted from paying the OC?
The debt collector would be required to update their reporting to $0 and close their collection. What is the disputable issue?
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They don't average your scores, they use the middle score.
Do you know what your overall revolving utilization is? Paying down your CC debt will be the fastest way to see a score increase. Just your AMEX alone is near maxed out. I believe you would easily get the 19 points by paying down your CC debt.
Is the LO requiring you to pay the 2 collections?
If so, when was the last time either of them updated on your CR?
And I would not rely on the simulator. It is wrong more often than not,
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SOL only applies to unpaid debt. If you pay it there is no SOL to restart.
A CA can only apply fees and interest if the original agreement and your state laws says they can. If the debt they bought in 6/2013 was only $13, $144 is a big jump from there in only 2 months and I would be sending them a DV asking them to validate the debt and for an itemization of the debt.
The years for removal go by the OCs DoFD. It does not matter when the CA acquired the debt, they have to use the same DoFD.
As for AFNI, I do not believe they are PFD friendly but will delete once paid using a GW.
PRA on the other hand is a tough nut to crack. Have you sent them a DV?