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I have 3 paid in full accounts that I paid to the collection agency that are on my credit report. I know that I should have done a Pay for Delete but it's too late now. I know that I can do GW letters, which I plan to do. Is there any point in simultaneously attempting to dispute these records on some trivial ground hoping that the CA won't bother to respond and therefore result in a deletion? Is it bad to try to do both the GW and dispute? If there is a point in trying to dispute, which might be the best reason to dispute that would result in them ignoring the disputes?
Not sure if it matters, but one is a small local CA, the other two are ERC and LVNV.
Thanks.
Usually paid collections are pretty easy to get removed. I would do the goodwill letters first and point out that you paid in full and did not ask for a discount. Try to kill them with kindness. It's not skin off their nose to help you out. Then if they don't respond favorably, start a major disputing campaign including letters to the BBB, CFPB, etc. They are in business to collect money and it's a waste of their money and resources to deal with you. So start off sweet and kind and then turn ugly if need be. I bet kind works.