Any ideas how I should deal with these.. jerks? I saw a collection appear on my exp account the other day dropping me from a 746 to 676. Seems a little steep but have heard that 1 collection can do that. It is from southwest credit systems for a T-mobile account from 2014 which is out of the 5 year SOL for florida where I live. I saw on exp that it is on record until Dec 2020. They also slapped my other 2 CRAs. I have tried calling T-mobile to see if they will recall the debt and they state they cant. I called the CA and they will settle for less, but refuse to delete the debt from report stating they will update it to paid or settled. I honestly dont understand what they have to gain when they know the debt is out of SOL, and not too far from removal from credit report. i would think that would be their #1 tactic. Have any of you had accounts with these people? Is it worth taking action or letting this disappear in 10 months? Really stressed and frustrated. I dont need any new accounts in the near future, but always worried that current lenders might get spooked. I always pay in full and keep uti around 3% so hoping that will be enough.
