paid collection???? might have made a mistake.........

[amercnchopz34]

I was just wondering ..

I had a collection showing up on my TU  and EX reports....It  shows included on my BK in 2005 .....on experian    on TU it showed open with a drop off date of 12/2012....

probalem is I pulled my TU and paid it without doind a PFD ( i know ....this is the mistake I made)

I called and asked to delete and they said they could not remove it ......Do I need to GW the CA or the OC to try and get it removed from both reports early??

I also need to know if by them updating the info on TU ,Will it change the drop off date and extend it to be longer....

ONLINE INFORMATION SVCS  #117066000010****

POB 1489 WINTERVILLE, NC 28590 (800) 765-5794	Balance: $217 Date Updated: 03/08/2011 Original Amount: $217 Original Creditor: NEWNAN UTILITIES (Utilities) Past Due: > $217 <	Pay Status: >In Collection< Account Type: Open Account Responsibility: Individual Account
Loan Type: COLLECTION AGENCY/ATTORNEY Date Placed for Collection: 01/26/2006 Remark: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 12/2012

[amercnchopz34]

anyone ????

[llecs]

Send a GW to this CA.

The 7-7.5 year clock cannot be reset or changed. It goes off othe DOFD of the debt and nothing can legally change that. It'll still fall off as planned no matter what happened (provided they don't grant a favor and delete early via a GW request).

[amercnchopz34]

I thanks for the info......

Wil it completely drop off or will info just change on my report ?

[CS800]

Once the 7- 7.5 passes it should technically disappear from your credit report .

[llecs]

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@amercnchopz34 wrote:

I thanks for the info......

Wil it completely drop off or will info just change on my report ?

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If you request in your GW for them to delete, and they agree, then they'll delete. You wouldn't want to ask them to change anything other than the deletion.