I have been going over my most recent credit reports and I have a few questions if you don't mind! First one, I have 3 judgements which show up on all 3 reports. 2 of them list a file date of Nov,1, the other one shows a file date of Nov,16. Can I dispute as inaccurate to get deletion, or would they just update the info? I had a collection item from Americas recovery on Equifax and Transunion. I disputed this and equifax deleted but not transunion, can I assume transunion didn't really investigate? Equifax showed a Providian account which I disputed and they deleted it - however, it is in collection with Asset acceptance corp. (the collection is shown on all 3). I sent a validation letter to asset acceptance. Is it possible they won't be able to validate since the providian account was not verified? Last one - I found an account I settled with Capital one - could I send a goodwill letter to them to see if they will remove this item? Thanks
Just rechecked and saw providian was on all 3 CRA, and was deleted by all 3. So - hopefully it will be easy to get rid of this collection account!
