I'm back for advice...
It's been a while since I've posted. Hope everyone is succeeding in their credit journey. Hopefully, I can get some advice for this situation I'm currently in.
Long story - short, I've been very good about cleaning up my credit -- no "real" derogs, everything paid on time, low CC balances (on 1 card, other 2 have $0). A year or so ago (before First Union changed to Wachovia), I "thought" I closed my checking account there -- we moved to a credit union. A few months ago, I get a collection notice for $300 from them -- and sure enough, it's showing up on my CRs. I have not contacted them yet, but I want to have my strategy down before I do.
My goal is to have them remove the derog. I don't care if I have to pay the $300 -- that's a drop in the bucket.
BTW, My scores are between 630 and 670
Just my $0.02,