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Need some help understanding something

Established Member

Need some help understanding something

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?
3 REPLIES
Senior Contributor

Re: Need some help understanding something

good will letters are the only/best option in this scenario. just be persistant, but understand they are not required to change accurate and legal information.
Established Member

Re: Need some help understanding something

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?
Moderator Emeritus

Re: Need some help understanding something

Send a DV to those CAs.
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Do what is true in spite of the consequences--your future is only as true as you are.