Okay - here's round two of advice. And I'm sorry for the newbish questions. I've got three CA TL's currently reporting - all micro-amounts, $105; $255; $278. They are two utilities and one closed checking account. None of the OC's are reporting. What would you do here - basically, I'm really about frustrated with having less than $4000 worth of bad debt ruin my credit. And most of the bad debt TLs are held up in these three account (have one eviction/judgement, one chargeoff headed to collection apparently.. blah). Of these three CA's, none of them are even attempting to collect. So I'm leaning towards two different processes here... Process 1: 1) Dispute, incorrect info (most of them have dates all jacked to hell) 2) If verified, Validate. 3) If validated (or choose not to, they were all bough in 05/06), then settle for deletion; PFD; PF Closed, whatever they'll do. 4) Re-verify in 6 months since they probably won't give a sh*t anyhow. Or, Process 2: 1) Ask for Settle for Delete NOW (without using phrasing to be construed as actual assumption of debt) 2) If won't offer to settle, offer PFD and/or settle for closed, etc. 3) Change address (since I'm moving in a month and half any how..) 4) Dispute old address associated with these accounts. 5) Wait a couple months, Dispute simply as "not mine". I understand the litigious mindset - but honestly, these people aren't harassing me. They are actually debts I owe, and the amounts aren't inflated and would be totally happy with the TL's just going away..
Thanks. Kind of what I was thinking to since almost the worst I can do is to pay them and NOT have them deleted since that'd show recent activity...
That would not be good at all. Although counter-intuitive, it would be better to let them go if you couldn't get them deleted. Well, at least in terms of credit scoring.
