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Should I send GW letter to Collins Assests to remove a collection from my report? The Balance is $0. Their collection authority was terminated in my BK7. They are currently only reporting to TU and EX. Could or would they attempt to add it to EQ if they are notified? Should I leave it be and just let it fall off? Whats my worst case scenario when trying to get it removed, dont need anymore score drops
I presume that the debt balance is now $0 because the debt was discharged under the BK, and not because you paid the debt?
If they took a loss, I would presume their good-will would not be high.
As for reproting to another CRA, there is nothing under the FCRA or FDCPA to prevent their reporting of the fact that they had prior collection authority, but reporting a post-BK collection is fraught with problems that I would doubt they would want to open since they already have reported to at least one CRA while the had active authority on a still active debt.
Is this your only remaining major derog?
No I didn't pay the debt and Yes this is the only derogatory account left