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For those bad check collections Certegy and ROI


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I have had one with each of the above on my credit report for a year now. I wrote both of them trying to do the PFD (but not admitting they were mine). Certegy wrote back with the old "we have an obligation to report accurate info, so no, unless we reported it incorrectly or it is associated with forgery or the such, we can only mark it paid.

Fine, I let it go for about 6 months, (they were only showing up on EQ)...then last month I disputed them with EQ, and guess what?

They're GONE!!!!! Got the results letter from EQ today.

I know, I know....might pop right back up on there or all three of them now that I've stirred the do-do pile, but I will cross that bridge if I ever come to it.

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