topic Re: Score Increase in Rebuilding Your Credit

Score Increase

Anonymous — Wed, 03 Mar 2010 17:18:52 GMT

Ok, so I paid off two CC's and have one with a 2035 balance on a 2750 limit. Sent out two GW for lates (inaccurate) and a paid (OC) collection.

But I'm confused about another. It was a utility ($58) sent to a CA. I called the OC and paid she said they would pull it back from the CA. I don't know what that means other than the obvious. Is there more to a pull-back than calling the CA and saying its paid. Does it do anything to get the CA off? What do I need to do?

Re: Score Increase

Anonymous — Wed, 10 Mar 2010 19:37:22 GMT

Newspeak is frequently used in this arena. Vague statements like "We'll pull it back from the collection agency" is sometimes code for "If you dispute this with the CRA as inaccurate, we won't validate it." Not always, but sometimes.

Re: Score Increase

Anonymous — Wed, 10 Mar 2010 22:08:46 GMT

Sometimes they mean what they say which is they will recall the collection account from the CA. After they do this it should come off your CR.