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Discussion in 'Credit Talk' started by zip, Jan 3, 2001.
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I dont think anyone can really answer that question. We all know that it hurts and that paid collections are no better than unpaid collections as far as credit scoring. But my point is who actually pulls a report now a days and review it, besides a mortgage broker and a car dealer. These people usually dismiss anything over 2 years. So, if people relying souly on credit scores we all are in bad shape with the paid negatives because they trigger a denial as quickly as a unpaid one. Those are my thoughts.
RE: roni is right
Most credit issuers (prime) have auto-denial on any collections. Regardless on how much good credit you have.
All instant-approval/mail in approval applications never see the light of humans, computers handle 100% of the application approval etc..
You may wish to try citibank AA. They may still consider you.
Also a friend of mine got a chase pre-approval recently for 24% (!!!) platinum card and he has collections.
RE: roni is right
that was very well said you guys! I do have some credit with car loans and a few credit cards, Citibank is one of them.I never really gave my credit much thought intil I started reading this board a few months back.I never had a problem with car loans but was surprised as hell when citibank approved me! I guess I will do the best I can with keeping what credit I have on the straight and narrow!In 4 or 5 long years these collections will fall off. Thanks guys!
I am sure you may have answered this before, but have you tried to dispute the paid collections?? I know people have said that sometimes if these are paid the creditor won't bother to verify. if you have already tried that sorry just thought I would suggest it.
i have tried disputing the collections to no avail.I just had an address deleted from the reports and the collections stemmed from that address so i'm going to try it again.Thank you for replying to my question,I was feeling pretty down about all this. I want to buy the house i'm in and I felt it wasnt looking to good.