Helpful Resources


Community




Creditmagic Twitter





Credit on Facebook




Dispute Verification made things worse...now what?

Post reply  Start a topic
Author Message
Options
Print this topic
Invite a friend
Email this topic
  Bookmark online
Add to del.icio.us
Add to YahooMyWeb
 
sarahmed02



Joined: 27 Aug 2009
sarahmed02's page
Posts: 1



31 Magic Points

Subject: Dispute Verification made things worse...now what?
 
Posted on Thu Aug 27, 2009 9:15 pm  

My credit report recently showed a $59 collection from AT&T for an old bill (closed but had a remaining balance)...in the final communications from ATT I do not think this was clear, but regardless, this is on my credit report now. I decided to try a Pay for delete, but in all my research I learned it was best to start with a dispute verification...the dispute verification resulted in the company verifying the account with 2 of the bureaus...the other one deleted it. Unfortunately, the update made my score on the other bureau go down. I otherwise had a 700 plus score...after the collection (mid-600's) now low 600's on the two. I am not sure what my next move should be? I would like to try a PFD, but I am worried any more contact with the company will make my score go down further and/or result in their updating it on the bureau where it was deleted.
Optimist



Joined: 22 Aug 2009
Optimist's page
Posts: 20



1295 Magic Points

 
Posted on Thu Aug 27, 2009 11:01 pm  

I just posted an article about how bureaus verify the information. I think it will help you to read it. Click on "Optimist's page" or just type METHOD OF VERIFICATION – SECRET CREDIT REPAIR TOOL on the search box. Hope it helps!
EFRAIN
Guest






Subject: COLLECTION NOTICE
 
Posted on Fri Aug 28, 2009 6:35 pm  

WHAT SHOULD YOU DO WHEN YOU RECEIVE A COLLECTION NOTICE.
carol

carol

Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California


29555 Magic Points

 
Posted on Sat Aug 29, 2009 12:32 pm  

Hi EFRAIN

What sort of collection notice is this? Is it from IRS or from the collection agency?
_________________
Keep in touch
Carol

Quick Reply
Your Name
Subject
Message body
Page 1 of 1

 





Page loaded in 21.076 seconds.