@Hyten wrote:
I did an online dispute with a CA I didn't recognize with Experian and then decided to call the CA myself a couple days later and it turns out it is my debt just that it was sold from a previous CA. How do I cancel my dispute with Experian cause I heard that if Experian verifies it, it'll renew the 7 year limit and refresh the debt? Is this true
It wont "renew" anything because removal is based on DOFD. It will still drop of as planned.
Also, disputes do not restart SOL, so debt wont be "refreshed"
It may cause a scoring drop if it comes back as verified because it makes delinquency "appear" more recent, but there is no re aging involved.
Do yourself a favor and pay it, see if CA will do PFD first.
If they cannot verify, reporting may get removed, but debt will get resold and you'll be right where you started.
