So I joined MyFico and got my scores: TU 493 EQ: 574. I sent disputes about a few accounts and got results less than a month later. My TU went up to 541 and my EQ went down to 568. I have noticed that EQ has not updated info that TU has removed yet but did not know why it went down. The only thing that has changed is one of my accounts with AFNI. I disputed this account because it is not mine, however since doing the dispute the have changed it from $240 and past due 120 days to $0 and refinancing or renewing. I just posted this in another message, Also EQ is the only one that it is reported under accounts instead of collections.
Next, I just got TU to delete an old charge off account from Dell Financial Services that was 8 yrs old. However last month I received a collections letter from Paragon Way about this account. They of course are offering a huge discount. This account is way past SOL. They aren't reporting on any of my reports, so my question is do I send a DV or do I just ignore them and hope they don't put it on there.
One more question. I have a Target account that went into charge off last year. NCO is the collection agency now collecting on the account. Only Target is the one reporting on my report as a charge off with my balance. I have made a small payment to NCO on this account last month. Now it is still showing as a charge off under target but with my new balance. I was wondering, if I Target is still showing my new balance after my payment, will this still be listed as a charge off after I pay it. Any advice would be great on any of these issues.
Feb 09' TU:493/EQ:574
Mar 09' TU:541/EQ:568
