I have a letter stating that a CO account I have was settled for less then full balance but it is still showing on my report unpaid and CO so what should I do to get this cleaned up I disputed already and it came back verified. Also I have accounts on my CR showing CO but also have a status as closed or sold, how is that affecting my score? The account is settled and closed I also have a letter stating that, I disputed it already and it came back verified as well. Two different cards and just need some insight. Both are reported with the OC and the settled status are with CA that are not even on the report anymore. Thanks again
If this was my situation, rather than dispute with the cra's, I would send letters to whoever is reporting it advising them they have been misreporting the status of the tradelines, a violation of the FCRA, and since it is apparent they can't report it correctly, you want it immediately deleted from your file.
