Aarrgh, score all over the place!

[Anonymous]

So first i bumped up to 694 when my Amex AU hit.

Then I dropped 14 points because the (already added) Midland Collection was affecting score more.

Then it popped up 18 points when 'a collection started hurting as much'.

It dropped again 14 points today because of 'recent collection', which is Midland still.

All in about ten days.

So no longer in the 700 club!

Wahh!

Let's see if I can get Midland off and the Paid Medical ICS Off this month. That oughta make Efax outstanding.

[RobertEG]

nyccc, I am confused, as I often am..... I dont see how you can "get the collections off" unless they were erroneous in the first place.  Paying a collection does not eliminate it.  At best, it will only reduce your balance against %utilization.  The collection still remains as a payment derog for 7 years from the date it is reported as a collection, regardless of whether or not it is paid.  The only way to "get it off" of your CR is to dispute it, and have it removed as being erroneous.  Pay one cent on the collection, and you have admitted that your obligation was legit.  Am I missing something?

[Anonymous]

Well, IC Systems, whom I paid, I just got removed via GW Letter.

Midland was out of SOL, cannot provide docs, nor can OC. I did make three $50 payments last year, courts are verrrry divided as to whether that is 'admission' and more importantly whether that re-sets SOL.  Most say that it DOES if paid to OC, but not to CA on charge-off account.

I'm not sure if legislators really understand the depth of the scam they have made possible;

Creditor sends 'debt collection' letter to a persons old but legitimate address

Creditor does not reply because they can't

30 Days later, Creditor has ZERO legal obligation to prove the debt belongs to the 'debtor', subverting one of the cornerstones of western law, the right to see the evidence against you (remember all the hue and cry about guantanamo bay?)

If you make a payment ASSUMING the system is based on the rule of law and evidence you have now 'admitted' a debt that a creditor who has no evidence it is yours and who informed you at a location you'd have no way of disputing anyway.

The attorney I spoke to said it is IRRELEVANT that the OC has no docs, they sold the debt to Midland.  They said it is IRRELEVANT that Midland has no evidence and did not comply with my demand to see said evidence.  They said it is IRRELEVANT that the CRAs 'verified' by simply asking Mikdland if this debt was being reported correctly (!).  They said the only relevant fact is I made a payment on a 7 year old debt upon being asked.  That ain't America.

I am doing everything to shake Midland free.

[Anonymous]

And herrrre we go again; score bumped UP 14 (after bumping down yesterday), same reason as last week 'collections might not be hurting as much'. I didn't buy the score, I doubt very highly that Equifax removed the IC Collections since it was mid-day when I got the letter and late afternoon when I faxed Equifax the letter. Somehow doubt that happened that fast. Hoping not actually, 703 WITH the recent Paid Collection would suggest a nice score once it disappears. Now about Midland....

[Anonymous]

Well, checked with TrueCredit, the IC is still there so that is good news on the Equifax front, 703 with the recent paid collection from IC Systems coming off shortly.