So, thank to y'all I was flirting with 800 after months of hard work -- more building tradelines and treating them well than getting rid of baddies, although there were a few false ones from my early 20s which you helped me to dispute properly and have deleted (ie a debt midland claimed that was never mine)
I am about to make some big moves in life and a collection for 2300 hit me. On EQ yesterday which I promptly disputed and TU today, dropped each score between 70 and 100 on the FAKOS, needless to say I am mortified.
I am seeking best advice for this situation; I have read all of the boards and read regularly but would still like opinions.
On one report it says CCI, the other ARC, in Augusta, GA for a power company.. I believe this was something I had taken on for an old apartment I rented for a family member (I know, stupid of me) where he apparently ran up a 2300 bill and skipped town.
I disputed on EQ as similar person and asked for full verification and plan to do same on TU when business opens today. My reasoning is both know there was fraud in my name from the address that is on this account and deleted and have a watch on it.
If there was a debt rung up I have no problem paying it but not if it won't be removed, as you all know and advise.
So my main question is, IF these come back verified by July 14 and 15, what are my best strategies for swift action to try to get it off the reports by latest August 1? My ideas are
A if it is owned by CA go to them with a strong PFD overnighted saying essentially i know they bought it for pennies on the dollar blah blah i am willing to pay in full immediately upon receipt of an immediate PFD letter
B if it is owned by OC, can't I pay them and then take that to EQ and TU and say they have to delete the tradelines by CA bc OC was paid directly?
Credit yodas please help Ive come so far I dont want to lose a fantastic new home because of this.....