I had an old collection that I found on my report, and because I wanted to settle this debt even though I'm not completely sure it was mine, I paid the OC-it is being reported by a CA only. The OC took payment and said that the CA would remove it from my CR. They did not. Obviously I did all of this before I was educated by this forum. Clearly, I should have gotten something in writing, but alas, I did not. What is my option now?
Also, I have a medical bill on my CR that is due to fall off July 08 and only because I am absolutely positive that it is not mine, I am just letting it fall off.
Additionally, there are two small collections that I paid (to the same attorney) these were unexpected and recent. They agreed to remove them but they only updated as paid. I GW'd the attorney via fax and within 1 hour they called me back and said that these had been tagged for delete. They said that I should dispute with the CRA's. Do I dispute as "Creditor agreed to remove"?
I have a CO on my account that I disputed with the CRA's 2 years ago. Because I did not have the common sense to get everything from this company in writing, it came back verified and I could do nothing to prove the verbal agreement. I was 1.5 months late with a balloon payment on a car loan due to unemployment. I was back to work within a month and paid in full the amount owed as I had agreed to do and yet they still reported it as a CO. Would it be worth the time or effort to try and GW this off my reports or should I just leave it alone? It shows a CO-paid-$0 balance Fairlane Credit LLC(CA)and shows as a profit and loss writeoff with Fairlane Credit (OC).
Any and all advice is much apprecitated.
Thanks!
