Okay, so far I've had some success with deletions on my credit report (ironically enough no goodwill luck).
Right now I have a $2,000 bill that is supposed ot roll off in 2018. Should I do a debt validation/pay for delete on this one or leave it alone? I'm only saying this because I've tried to get some credit and was declined due to collections (the only one addtional one is an $84 collection). Would it be smart to pay it off if I get the money> Thanks!
If you are questioning the validity of the TL, and it is reported by a CA, then you would send a DV to the CA; DV's are not sent to OC's. If it is being reported by the OC, and it is not reporting correctly, then you would send a Direct Dispute to the OC. If it is accurate, then you could send a PFD to the OC. Be mindful of the SOL of your state, because awakening sleeping giant during the SOL, could result in you being sued for the debt.
@tomfromrictmame wrote:If you are questioning the validity of the TL, and it is reported by a CA, then you would send a DV to the CA; DV's are not sent to OC's. If it is being reported by the OC, and it is not reporting correctly, then you would send a Direct Dispute to the OC. If it is accurate, then you could send a PFD to the OC. Be mindful of the SOL of your state, because awakening sleeping giant during the SOL, could result in you being sued for the debt.
That is scares me. I'm in Missouri, BTW.
The problem is that I'm trying ot qualify for student loans. Should I offer pay for delete when I have the money?
I believe MO is 5 years.
So next year should be my last year. Ugh. So much could go so wrong but so right. If I pay Progressive insurance I'd only have 1 collection left. But it updates every 3 months. Some tough cookies here....
Do you have the full $2K to PIF?
@tomfromrictmame wrote:Do you have the full $2K to PIF?
Not currenlty. But should by January. So would I just contact them then?