Frequent Contributor
Posts: 356
Registered: ‎02-28-2008
Re: Getting an OC off my CR when a CA is reporting as well??

RobertEG wrote:
You wont, for legitimate reasons. All of the basic account data upon which any CA can base their collection activity is pegged to account data furnished by the OC, and most particulary the FCRA Compliance Date/DOFD. A charge off by an OC is a part of legimate reflection of account history. You cant get prior OC reporting deleted unless it is inaccurate. CA reporting is a piggy-back on prior OC reporting. It wont happen.

So would it not be worth it to settle with a CA for PFD then since only one would be removed? For example, I have a $4,000 CO. If I settled for $1,000 and the CA deleted it, would it not really make a difference (at least worth paying $1,000) since the OC would still report it? It isn't due to fall off until 2012 and is my only baddie in the past 6 years.

April 2009: TU 768
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November 2007: EQ 542

November 2006: EQ 501