topic Status change or delete request? in Rebuilding Your Credit

Status change or delete request?

cassie3783 — Sat, 23 Jun 2012 23:21:41 GMT

I've got two CCA accounts on my CR that I've previously paid in full. Keep in mind, this was before I learned about MF & all the helpful info here.

Question: should I send these two companies a GW letter asking that they change the status from "Potentially Negative - Closed" to "Current - Closed" or ask to have them deleted altogether?

And, yes, I'm aware that since I've already paid these accounts in full, no one has to do anything for me, but it never hurts to try.

Re: Status change or delete request?

RobertEG — Sat, 23 Jun 2012 23:34:36 GMT

If the debt was paid in full, the OC account should read Paid, and the debt balance $0.

Any collection should report closed, $0 under collection.

If they dont read that way, contact them informally to get it corrected, and if they dont correct, send them a direct dispute. That is required status, and you dont need their GW to get the proper status reported.

Deletion is a separate matter. You can, and should, send a GW to the OC requesting deletion of any derogs they reported, and to any debt collector requesting deletion of their reported collection. If its an OC account, you may want only deletion of the derogs and not the entire account, if its age is greater than your current age of accounts.

Re: Status change or delete request?

llecs — Sat, 23 Jun 2012 23:50:39 GMT

OP, there is absolutely nothing you can do to get CCA to report as a positive, other than to have it deleted.

Also, ignore the comments like "potentially negative". FICO is the basis you'd want to go off of. I've had some TLs show as positive on some CMSs (EX-based products report like that), but FICO would score it as a negative. And conversely, I had some positive TLs showing on FICO reports and these CMSs would show it as a negative.