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Removing Valid Tradeline


swferguson
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I need a tradeline removed. CCU State Collection agency in MD has it now from Dept of Motor Vehicles. I asked for validation and they sent me a copy of the bounced check I wrote 3 years ago! They have already told me 3 times that they will not remove it from my report. Any ideas out there? They have added interest and now I owe $650.! Please someone help me! SO Close, but not there yet!

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<blockquote>Originally posted by swferguson

Nope...but from your response, I guess you've answered my question. By paying it, will that increase my scores?

</blockquote>

No, a paid collections is just as bad as an unpaid collection. You need to dispute this with the CRA's. you'll be amazed what you can get off just by disputing. If they verify, send another letter to the CA and tell them they have not provided proper validation and that you're restating your request. Track the letter, when you know they have it, dispute again w. the CRA's. They are not allowed to respond to the CRA without a notice of your dispute which they normally don't. Then you may be able to use their violation for leverage to remove the TL.

Also, please don't talk to them on the phone, everything needs to be via CMRRR.

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