@Airisv79 wrote:You can try to dispute it and if it gives you an option you're disputing it due to covid related pick that. Dispute it through creditkarma. Dont be scared if collection agencies send you threatening letters thats just how they are. You will know if you're actually being sued if you receive a letter from the court or a letter from their lawyers with court date on it. If that doesnt work you can try to settle for less or pay to delete. Like tell them youre willing to settle if they delete the negative report on your credit accounts. Settle for the amount you can afford, at first they will give you hard time but eventually theyll give it to you 90% of the time, remember they bought your debts from the credit card company for wayyyy less. You can also send them a goodwill letter to remove the negative report. It worked on me. It was a collection from capital one awhile back before covid. Goodluck!
No, don't listen to this. Disputes are to correct inaccurate info, not to wipe away bad marks. Even if you were affected by COVID and it indirectly affected your credit, unless you worked with your creditors AT THE TIME, you'd still be lying.
Don't file frivolous disputes. Also paying collections isn't a bad thing, despite what the internet/credit repair "companies" may say. It's good to take care of your debts, and while paying collections won't always get them removed (certainly always try to negotiate a PFD beforehand/ask for GW removal after), a paid collection still looks better than an unpaid one, plus you eliminate the risk of being sued.
