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Discussion in 'Credit Talk' started by Shelby, Apr 13, 2001.
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In would pay it off. Remember, you can only have things deleted if they are inaccurate--not just because it hurts your FICO score. You can however ask the creditor to remove it. Even if they don't agree to remove, it will at least show on your CR as paid--even though it will probably still reflect that you were delinquent. But a paid delinquency is better than unpaid! Hope this helps!
Paying it off isn't going to help you in any way. It is going to show an adverse entry in your credit file either way.
You should never dispute any item on your credit reports. That gets you nowhere fast. Learn how to demand validation and never give them any reason why you want it validated. The difference is that with their standard verifications, you will come up with the answer that they verified it almost every time, whereas if you demand validation, you always have a way to come back. You should dispute the account with the creditor or collection agency and if you do it in the right way, they can't answer the credit bureau when the credit bureau asks for verification so the report goes off no matter how valid it is. It's a war out there in the credit world, and you need to learn how to fight tooth and nail and win at least most if not all the time.