HELP PLEASE

[Anonymous]

I have a collection account with Calvary schedule to fall off 10/19... I need it removed sooner to move forward with a lower interest rate for a mortgage. The original creditor was Capital One and last activity was 2014/2015. HELP???

[DR527]

Why no just refinance later?

[Anonymous]

I thought about that too...just not sure if I can get all my closing cost paid at the higher rate.

[simplegirl]

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@Anonymous wrote:
I thought about that too...just not sure if I can get all my closing cost paid at the higher rate.

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I would ask for a goodwill since it will fall off this year and it may be easier to get.

[Anonymous]

Thank you...would you send GW letter to Calvary since the charge off account from capital one is not listed?

[simplegirl]

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@Anonymous wrote:
Thank you...would you send GW letter to Calvary since the charge off account from capital one is not listed?

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Yes send it to whoever is listed.

[Anonymous]

Okay...do you think I will run the risk of them inserting it again and/or starting it over again? Not sure if im saying it right?

[simplegirl]

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@Anonymous wrote:
Okay...do you think I will run the risk of them inserting it again and/or starting it over again? Not sure if im saying it right?

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The DOFD never changes so neither will the fall off date. A goodwill letter is just asking them to remove it early other than that Early Exclusion would be TransUnion 6 months before and the other may be 3 months before and for that you need to call the Credit bureaus and speak to a supervisor.

[Anonymous]

Early exclusion timeframes:

TransUnion 6 months
Experian 3 months
Equifax 1 month