topic Re: Should I dispute this? in General Credit Topics

Should I dispute this?

Anonymous — Thu, 01 Nov 2007 20:26:31 GMT

Thanks to everyone on this board I have moved my Equifax score from 587 to 624 in a little over 1 month. I paid off a few collections and got my CC utilization down from 90% to 30%. I should have it below 10% in another month.

I have a question about one of my paid collections though. I just ran an Equifax report and under the "Negative Accounts" section they are still listing one of the collections I paid off. None of the others I've recently paid show up in here. The details from the report are below. Should I dispute this? Should it still be showing up as a charge-off or is this one of those things where I'm just going to have to wait for it to drop off?

Negative Account History

GEMB/DILLARDS 10/1993 9/2007 $0 Charge-Off

Re: Should I dispute this?

MidnightVoice — Thu, 01 Nov 2007 20:28:43 GMT

Is it accurate?

Re: Should I dispute this?

Anonymous — Thu, 01 Nov 2007 20:32:00 GMT

I guess it's accurate. I'm not really sure what should show up after you've paid a collection. Shouldn't it show that it was paid?

Re: Should I dispute this?

MidnightVoice — Thu, 01 Nov 2007 20:33:16 GMT

I believe a balance of $0 means it is paid

Re: Should I dispute this?

Anonymous — Thu, 01 Nov 2007 20:34:02 GMT

Maybe I just got lucky with all the other things I paid off. None of them show up on this report.

Re: Should I dispute this?

SmartCookie — Thu, 01 Nov 2007 21:13:48 GMT

GW letter unless it is set to drop soon.

Nice work!