old paid collection account on TU

[outofthewoods]

Hi

I have an old collection from asset acceptance on my TU that was paid in oct 97. I know that they can stay up to 7 years. I'm wondering if I send a GW letter to CA asking for removal, think I'd have much luck?

current TU score is 649...looking to reach that magical 700.

thanks in advance

[Anonymous]

With the account being so old, I don't understand why you have to GW anything. It should have come off and stayed off in Oct 2004, right?  I would dispute directly with TU based on 7 year law.

[outofthewoods]

I meant Oct 2007...thats when it was paid.

[Anonymous]

Ah, that changes the whole scenario.  Yes, you will have to send goodwill letters to them and HOPE they will remove it.  Too bad you already paid, or you could do a PFD.  So yes, you are at their mercy.

Read on here for some great GW letters, and other peoples success.  There seems to be a lot of it.  Unfortunately I am one of the few that cannot get GW letters to work for me.  I am sure some of it has to do with the fact I use more local creditors vs. "national" creditors.