I have 2 negative items in my report. One is from a phone company and other is from my apartment owner. Both charged me non-genuine fee/charges at the time of closing the phone account and when I vacated the apartment. I was contacted by CA. I disputed those charges in writing to both CA and original creditors, with in 30 days of their letter. All three credit report shows these 2 negative items and it says account in dispute. This happened 3 years ago. Now I want to get rid of those 2 items from the list, to improve the FICO score. I am thinking of sending “pay for delete” letter to these 2 collection agency? Is it a right choice for me at this time to improve the score? Is there any negative implications in doing so?
