Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
Re: Paid original creditor, can CA tradeline be disputed?



thanks for that advice..


I was unaware, but I am learning that I have been quite ill-informed on this whole process.


I guess I have a follow up quesiton: If I am to send a goodwill; the collection agency probably would be salty that I didn't pay, so should I good will the original creditor and ask them to contact the collection company to pull back the account? I just did this yesterday; so I am not sure if they have reported to them yet or not.


what would be your suggestion?



Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX