squarepencil Posted April 14, 2005 Report Share Posted April 14, 2005 Ok, this is it. These are the last things on my CR. Once these go bye, bye I have a clean, good report!!!I have read this board extensively, but I still need some advice on the following three things....#1(Do I DV this even though it's really old? SOL in NYS is 6 years. Should I just wait until this is past it's limits? Or am I working off of the 2002 date and not the 1999 date?)Account Name: PAUL MICHAEL MARKETING Account Number: 171XXXX Account Type: Collection Department / Agency / Attorney Type of Business: Other Collection Agencies Terms: 1 Month Account Status: Closed Monthly Payment: $0 Date Open: Jul, 1999 Balance: $90 Balance Date: Jan 30, 2002 High Balance: Not reported Credit Limit/Orig. Amt.: $90 Past Due: $90 Remarks: Not reported Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department #2(Gee, these people must really, really like me. I paid this debt in 2003, with the fact that it would be taken off my CR. I have a letter from the CA. How in the world do I get this removed??)Account Name: PAUL MICHAEL MARKETING Account Number: 164XXXX Account Type: Collection Department / Agency / Attorney Type of Business: Other Collection Agencies Terms: 1 Month Account Status: Closed Monthly Payment: $0 Date Open: Apr, 1999 Balance: $0 Balance Date: Jul 9, 2003 High Balance: Not reported Credit Limit/Orig. Amt.: $68 Past Due: $0 Remarks: Not reported Payment Status: Paid, was a collection account, insurance claim or government claim or was terminated for default #3(I just settled with the lawyers and they sent me a copy of the Satisfaction and will forward it when it is recorded. I have had a similiar judgement removed from all of the big 3, but is there any way I can expedite this process? I know nothing is a guarantee but I really would like this most of all to go away.)Type: Judgment Date Filed: Sep 3, 1999 Reference #: 1160XXX Court: KINGS COUNTY CIVIL COU Plaintiff: 090399 CUNY Liability: Not reported Asset Amount: Not reported Thanks for all of your help with this stuff! Link to comment Share on other sites More sharing options...
wunderwoman Posted April 14, 2005 Report Share Posted April 14, 2005 Oh, you are in a really good position here. Here's what I'd do:1) Dispute this with the credit bureaus AND the collection agency as not mine. Have them to prove it. Because there hasn't been an update in 3 years, the chances of them being able to validate are slim to none. The credit bureaus will likely just delete.2) This one is tricky. It's a paid collection, which is accurate. I would dispute this as "not mine" as well. Since it's already been paid, and two years ago at that, it's likely they already archived the file or won't respond to the CRAs.3) I found the best way to get a judgement this old off your report is to simply dispute "wrong date". Since it's from 1999 they will just go ahead and delete it. The courthouse has already archived the file, and it would be falling off soon anyway if it were the right date.Good luck, and keep us posted! Link to comment Share on other sites More sharing options...
squarepencil Posted April 20, 2005 Author Report Share Posted April 20, 2005 I am going to be sending my DV letters out on Friday but I am unsure of what to write to the CRA? I saw a good letter on a thread for DV'ing the CA but I don't know if I should use the same one for the CRA.Thanks! Link to comment Share on other sites More sharing options...
squarepencil Posted June 27, 2005 Author Report Share Posted June 27, 2005 Because of this board, there are ZERO negatives on my credit report. Thanks so much for all of the help, I received here. Believe me persistence pays off. Thanks for all of your help!!! Link to comment Share on other sites More sharing options...
flythai834 Posted June 27, 2005 Report Share Posted June 27, 2005 congrats on hearing youve accomplished your goals.woohoo!!! Link to comment Share on other sites More sharing options...
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