New Update- One Victory yet another challenge but I am 99% ahead of the game.
Finally Kay Jewelry has been removed from my credit report along with absolutely everything else that was incorrect that I disputed. According to score watch my credit score has gone up 11 points (although when I actually pulled my credit file it was 5 points lower than what score watch reported). But here is the catcher- the Kay Jewelry account is now showing up on my credit report from a collection agency. While I am not too worried because I believe this will be an easy fix- since the account was removed and the collection agency cannot collect- I am still annoyed that it is there to deal with. myfico is not showing the collection agency information so I can't contact them and it looks as if it was just put on there this week. Previously Kay sent this to CA in error and they pulled it back immediatley so possibly it actually came off my report because they sold the account perhaps? Maybe when I disputed it they no longer had the file so that is why it came off? Either way, I plan to find out who the CA is and send them the court documents and I don't suspect it will be a problem. I also plan to call EQ directly and see if I get an agent that will remove it over the phone without investigating further as I was able to do for another item.
Any suggestions or need to knows? I plan to just call the CA and as I did previously fax the document and that usually ceases any further contact and that should also get it removed from my CR as a CA. I just hate that I Have to get doing this! I can't wait until the 7 years is up so I don't have to ever worry about this again.
