@celeste45 wrote:
thanks byrdman
my collection accts
auto loan (repo) 10/2001 14,000 (wrong amount) DV'd with no luck (should I wait for this acct to drop off)
1 cc - 2004 bal $386
at&t - 2004 ,$1900
sprint 2006 $812
3afni accts (verizon) 1acct- 2001($384) 2accts- 2002 ($135 & 496) (should I PFD)
bankruptcy filed 8/2000; dismissed 1/2001
Okay, lets start with the dismissed BK. A dismissed bk will stay on the report for 10 years. If the bk 13 were discharged, it would be gone already. You can petition the courts to have it removed, but they are under no obligation to do so.
Auto repo--If I were in your shoes, I would just let this one roll off. After living with it for 6-1/2 years, you have taken the worst of it already.
What is your state's SOL and DOFD/DOLA for these collections? If outside of SOL, DV the CAs asap. If near SOL, "leave 'em lone" (as my DD used to say). If able to validate, you can go for PFD. Make sure you use a good strong DV letter though.