I've been trying to repair my credit recently w/no luck and since I've found this forum a few things have dawned on me. I disputed CA's and some removed others were just update to a pd or discharged in BK status. The pds & discharges still hurt my score, don't they? Is there any way to get the CAs deleted now that I've already paid them?
What about bills that I paid to the OC. I have CA's reporting these items as paid on my report but I was never notified by the CA that they had an account. I had the bills from the OC and mailed pymnt to these companies. Are they allowed to keep this accnt on my CR w/out having ever notifying me?