Help with paid accounts

[diveforfun97]

Hello!  So I had a few accounts that were negative from late pays, charge offs, and what not.  I paid everything off, not with PFD agreements (was not ware of it until later). So I have tried GW letters and a few were removed.  But with these that are still on there......what can I do?  Can I DV a paid account in hopes that they can no longer verify it?  Or is there anything else that I can do, other than dispute (its all accurate)?   Thanks for your help.

[MarineVietVet]

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@diveforfun97 wrote:

Hello!  So I had a few accounts that were negative from late pays, charge offs, and what not.  I paid everything off, not with PFD agreements (was not ware of it until later). So I have tried GW letters and a few were removed.  But with these that are still on there......what can I do?  Can I DV a paid account in hopes that they can no longer verify it?  Or is there anything else that I can do, other than dispute (its all accurate)?   Thanks for your help.

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All you can do is keep trying the GW letters. You can't DV an account you've already paid off and you shouldn't dispute accurate information.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

[diveforfun97]

Great thank you. Fair enough. Thank you!

[RobertEG]

Yeah, DV seems fruitless.  First, DV only applies to colletdions, and not to OC acounts.  You cant DV an OC.

Once the debt is paid, you no longer have  indedtedness.  So both disputes and debt validation kinda become irrelevant.

What you do is continue to GW.

Meantime, know the normal drop off dates for each derog, if no GW is accepted.

7 years from the date of each OC account derog, and 7 1/2 years from the DOFD on the OC account for each CO or CA,