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so i paid all of my collections...

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Madman94044
Regular Contributor

so i paid all of my collections...

I have the following neg items on my CRs:
$1300 collection from hunter warfield - paid - DOFD 2/06 - disputing item as dates incorrect on CR
$110 collection from Cox Communications - paid DFOD 11/05 CA agreed to PFD
$665 collection from Comcast - paid DFOD 9/08 - disputed as dates incorrect on CR
$1007 CAP1 charge off - paid DFOD 9/07 - will dispute as dates wrong on CR
Chase CC account - settled - DFOD 11/05 - sent GW
Discover CC - settled - DFOD 2/07 - sent GW
1 30 day late payment on auto loan 12/07 - sent GW

I bit the bullet and paid off all of these accounts last week as most wouldn't budge re: PFD. Will try disputing as the dates are wrong on the CRs for most accounts. If that doesn't work will try GWs each month until the fall off my CRs.

Any other advice?
Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 786 TU 699 EX 746
Goal Score: 800
Wallet: SF Fire CU $5000 CL Chase Freedom 4000 CL, Chase MP $5000, WellsFargo $6000 CL, Amex Gold NPSL, Cap1 CashRewards $2500 CL, Amex BCP $12000 Discover More $1200 CSP 18000
Message 1 of 3
2 REPLIES 2
Madman94044
Regular Contributor

Re: so i paid all of my collections...

Also, I have the following positives:
WF CC 4000 cl w/ $500 balance
Cap1 CC $700 cl w/ 0 bal
1st Premere $400 cl w/ 0 bal
Student loan never late 10+ y/o
2 car loans PIF (30 day late noted above).

Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 786 TU 699 EX 746
Goal Score: 800
Wallet: SF Fire CU $5000 CL Chase Freedom 4000 CL, Chase MP $5000, WellsFargo $6000 CL, Amex Gold NPSL, Cap1 CashRewards $2500 CL, Amex BCP $12000 Discover More $1200 CSP 18000
Message 2 of 3
rckstrscott
Valued Contributor

Re: so i paid all of my collections...


@Madman94044 wrote:
I have the following neg items on my CRs:
$1300 collection from hunter warfield - paid - DOFD 2/06 - disputing item as dates incorrect on CR
$110 collection from Cox Communications - paid DFOD 11/05 CA agreed to PFD
$665 collection from Comcast - paid DFOD 9/08 - disputed as dates incorrect on CR
$1007 CAP1 charge off - paid DFOD 9/07 - will dispute as dates wrong on CR
Chase CC account - settled - DFOD 11/05 - sent GW
Discover CC - settled - DFOD 2/07 - sent GW
1 30 day late payment on auto loan 12/07 - sent GW

I bit the bullet and paid off all of these accounts last week as most wouldn't budge re: PFD. Will try disputing as the dates are wrong on the CRs for most accounts. If that doesn't work will try GWs each month until the fall off my CRs.

Any other advice?

Were the dates actually wrong? Or were these frivilous disputes to attempt an early removal? I have seen this work from time to time, but on the ones it won't, it might hinder future GW attempts.

 

I would always work the GW avenue first before trying anything backhanded, mainly because if you dispute it, you may jeopordize any chance of good will in the future, as they may think of you as kind of a pest now.

 

I also feel the same way about GW letters every single month... I know that logic says pester until they crack, but you ARE trying to harbor some good will.. You might want to vary up your approaches based on how they seem to be reacting to your GWs..

 

If you already disputed, I suppose its too late, but I would never go that route personally.

 

-scott

Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790
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