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mardigrasqueen's Achievements


Newbie (1/6)



  1. Just wondering if you guys had any luck with disputing an item and getting it removed after paying in full. The company absolutely refused to delete and they wouldn't settle, so I went ahead and paid the $242. I started with a 481 CS on November 1, 2015 and I'm now at 616. It isn't great but it's so much better. I am serious about clearing things up and I just got tired of seeing the collection reported every month on Equifax. I actually had success with getting the aforementioned item removed from EXP and TU before PIF - the company didn't respond to the dispute but DID response to Equifax so it remained. So, I'm hoping that, now that it's paid, they will just ignore another Equifax dispute. Anyone had success with this? If it doesn't work, will PIF at least bump up my Equifax score a little bit?
  2. The account open dates varied by months - November on Equifax, August on TU, September on Experian. I can't even prove the account *is*mine, let alone that it's inaccurate. So, I've exhausted all my dispute options?
  3. Yes, I have. They keep coming back as 'accurate'. On another, Experian and TransUnion deleted, Equifax said it was accurate. Portfolio Recovery had numerous inaccuracies across credit bureaus - account open date, balance, payment history, etc. They just updated it after my dispute.
  4. I've never received letters from them! I started the validation process because I stopped being chicken $*** and pulled my credit...that's when I saw the collections listings. I've gotten 2.75 collection accounts (Equifax keeps verifying one as accurate, hence the .75) removed because the creditors never responded to my validation request. One received my validation request and actually deleted themselves! These last 2 accounts are giving me grief.
  5. Creditors haven't responded to debt validation letter, but CB says debt is accurate I've twice written Calvarly Portfolio Services and Portfolio Recovery (two separate debts), asking for a debt validation. It's been 60 days since the first letter went out and 30 days since the 2nd. I did not receive a response to either letter. I disputed the debts, noting that the creditors did not respond to my request for validation. The credit bureaus came back and said their investigation revealed the debts are accurate. Dealing with another creditor, I was able to get it completely deleted from Transunion and Experian because they did not respond to a validation request. But, Equifax says the debt is accurate. What should my next step be? *OAN: I WAS able to get an old First Premier card completely deleted. YAY for that!*
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