digicross1 10 Posted March 13, 2009 Report Share Posted March 13, 2009 I have been a ghost for the past 10 yrs buying everything w/ cash and not applying for much credit. As a result everything has fallen off my CR except for three items. One of my three remaining CA's has listed the same collection twice. Both are listed exactly the same way and for the same amount except for different account numbers. I sent a DL to all three CRA's noting the separate account numbers and disputing the amount owed on both collections. I have not recieved a response from any CRA's, since sending my initial DL's 3 weeks ago CMRRR. Should I wait the full 30 days before initiating a DV with the CA? Link to post Share on other sites
lordreyrey 10 Posted March 14, 2009 Report Share Posted March 14, 2009 How old are the collection accounts? Which bureaus are they reporting to?Personally, I would have initiated an online dispute challenging those accounts, especially if they are older. Link to post Share on other sites
digicross1 10 Posted March 16, 2009 Author Report Share Posted March 16, 2009 Thanks for the response and appreciate you taking the time to help a newbie with a question. These last three are right on the cusp of 7 yrs. One is from Adelphia which was bought out by Comcast. Set to fall off 7/2012Assigned to CA (Credit Protection Associates) TU & EXThe second is an apartment rental which is set to fall off in 8/2010Assigned to CA (National Credit Systems) TU, EQ, & EXThe Third is an old Sprint cell phone account Set to fall off 10/2010Assigned to CA (Cavalry Portfolio Services) TU, EQ, & EXHow do I get the true dates of last activity from OC? I no longer have any records of these old accounts. I also don't want to extend SOLI did however initiate a mailed dispute on all three on feb 23rd and sent them CMRRR. I am waiting to here back from them. I have my DV letters ready to go after I get my response from the CRA's. Should I wait or just send the DV's now? Link to post Share on other sites
cap1kid 111 Posted March 17, 2009 Report Share Posted March 17, 2009 This may sound counterproductive, but the age of those accounts may actually be more beneficial to you than the harm they are doing- especially since you have no recent history. Link to post Share on other sites
jetscarbie 83 Posted March 17, 2009 Report Share Posted March 17, 2009 cap1kid is right. It's crazy but sometimes bad negatives are better than nothing on your CR.You need to open you a secured credit card account. Get a positive or two on your report. Well, unless you want your report to be completely clear. Link to post Share on other sites
