when an item is verified as accurate,,,,

[guiness56]

When you write the letter, tell them you in no way are acknowledging the debt to be yours.

[guiness56]

Yes, any collection will hurt your score.  The newer the collection the more it hurts.  You need to get all negatives off your report for it to help.

Just paying a collection will not help your score.

Message Edited by guiness56 on 02-20-2010 10:21 AM