topic Re: Should I dispute to put in collections in General Credit Topics

Should I dispute to put in collections

2wheel — Tue, 21 Apr 2009 12:05:42 GMT

My wife has a collection account that is paid in full but sitting in her accounts page not in collections.

Status as of [?] Feb, 2009 Date opened [?] Oct, 2007 Date of last activity [?] Mar, 2003 Date closed [?] Not Reported Account number [?] Not Reported Loan type [?] Not Reported Largest past balance [?] $578 Terms [? Not Reported Account Type Open Account Account holder Individual Scheduled payment amount $

It is showing 120+ Days past due was wondering if this worth disputing to remove from accounts page and have put in collections bin????? Would it help her score by doing it her current score is 665 from equifax. It is already in collections bin from transunion and experian dont know why its not from equifax. She got a little score increase from the other 2 when she paid this off in febuary but didnt from equifax Any insight on what to do

This would also make her AAOA go from 5yrs 5 months To 6 yrs 10 months if its removed

Re: Should I dispute to put in collections

Anonymous — Tue, 21 Apr 2009 13:55:05 GMT

2wheel wrote:
My wife has a collection account that is paid in full but sitting in her accounts page not in collections.

Status as of [?] Feb, 2009 Date opened [?] Oct, 2007 Date of last activity [?] Mar, 2003 Date closed [?] Not Reported Account number [?] Not Reported Loan type [?] Not Reported Largest past balance [?] $578 Terms [? Not Reported Account Type Open Account Account holder Individual Scheduled payment amount $

It is showing 120+ Days past due was wondering if this worth disputing to remove from accounts page and have put in collections bin????? Would it help her score by doing it her current score is 665 from equifax. It is already in collections bin from transunion and experian dont know why its not from equifax. She got a little score increase from the other 2 when she paid this off in febuary but didnt from equifax Any insight on what to do
This would also make her AAOA go from 5yrs 5 months To 6 yrs 10 months if its removed

This doesn't answer your question, but what is the DOFD?

I am convinced that the problem with collections being in the accounts section on EQ is an EQ doing, not the CA doing it. Many people have this problem and is always on EQ, when reported correctly on the other two. But this is just my opinion.

Re: Should I dispute to put in collections

2wheel — Tue, 21 Apr 2009 18:26:20 GMT

dofd is feb 2003 I know that its equifax fault but My main concern is if I dispute it thru equifax would it hurt more than it will help