2 CRA Questions

[wet9500]

1) I've got a collection account for a $40.00 med bill that I paid off a while back showing on EQ-0 balance, on EX-40 bal still, and not showing on TU. How should I handle getting this removed, DV the CA in hopes that since it's paid they won't respond and then Dispute as not mine with the CRA's with DV letter and green cards?

2)I've got a Providian account that is a Paid Charge Off. paid 3 months ago now when I look at report it says paid charge off but still has the 2 year history of lates with it. can I dispute just to have the paid charge off report or how do I need to handle this one.

Thanks,

wet9500

[workinninetofive]

1)Dispute as not mine. If it comes back verified, then DV the CA.. say: I'm writing you this letter in regards to an account that I have previously paid. After looking over my records, I am unsure that this account is indeed mine.

2) I'd probably say "never late".. your taking your chances.. they might delete the whole thing. But, you'd probably be better off with the whole thing deleted. Two years of lates is pretty bad, plus a paid co.. that's as bad as if you didn't pay it. I would probably do never late on that and hope they just delete it.