@Trigga wrote:
@LS2982 wrote:
@Trigga wrote:I have one medical collection on my credit report which is 500 dollars and Centrl Finacal controll has the account , will just disputing this item hurt my credit report/score or should i just pay it and let it update as paid .? I heard horror stories when trying to do a PFD with this agency ..
No. Is thie debt valid?? If it is there is no need to dispute, if not I would send a DV ASAP.
Yes it is valid , ive been trying to do a PFD but they wont go for it ..
In that case, a gentle reminder: it's against the forums TOS to advocate unethical means of "credit repair", which includes disputing items that you know are correct. Any posts that get into that particular minefield will have to be removed. 
Again, for those who aren't aware, the corporation called FICO is not licensed as a "credit repair" organization, so if posts dealing with credit repair (as opposed to credit improvement, etc.) are allowed to remain, they will expose FICO to legal penalties.
GW/ PFD discussions are fine, as the lender is the one who decides whether to cease reporting negative info.
