@Jch175 wrote:
I just settled a collection account with Credit One LLC. They said they do not do pay for deletes, but once my report updates to paid and shows a $0 balance, I can dispute the account to have the collection removed. They said they don't act on disputes for paid accounts. My questions are, what should I dispute as? Does it matter? Do I have to dispute separately with all 3 bureaus? Are online disputes faster than by mail?
thank you!!
If they don't reply and they're telling you the truth, it shouldn't really matter what the dispute says because if they don't reply, it falls off at the conclusion of the lawful period for a creditor reply.
The reason they won't pay for delete is that it violates their TOS with the bureaus. If it's on your report, it's supposed to stay there if it's true. If they get back in and actively delete it, it probably *is* different than "Didn't reply, so it falls off."
Either way, you did pay it, so I would lodge a dispute now and pick the closest thing that sounds about right and see if they told you the truth. You'll know in about 30 days or less.
Also, yes, you file disputes with all three bureaus otherwise it just falls off (or changes to match the facts) on the ones you disputed. They don't tell each other.
Yes, online disputes are faster than the mail. The mail takes at least 5-7 business days to get there, usually, and then someone at the bureau has to get around to opening it. The 30 day window starts as soon as you click submit on an online dispute.
Disputing over the phone also works well sometimes. I had the guy from Equifax deleting things that were not true about me as we spoke on the phone, then he told me to log out and back in, and they were all gone and my FICO score shot up over 20 points.
