chuckwagon

question on deleting paid collections

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i read the sticky and this says;

 

If you have paid, and the item remains on your report, dispute the entry - "to be deleted upon payment per agreement" is a good start. There is a good chance that the collection agency has purged your record, and therefore will not be able to verify a dispute investigation from the credit bureau.

 

 

am i sending the dispute to the Credit Bureau??? (experian trans equifax)???

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a little more info is that I paid off the original creditors about 2 years ago

 

sears, capital one, national education, wells-fargo

 

so don't send them anything?

 

just strictly the 3 bureau's?

 

and also do you think those companies have a good chance of not responding?

 

my credit score is 671 and i need to improve it since i want a house

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a little more info is that I paid off the original creditors about 2 years ago

 

sears, capital one, national education, wells-fargo

 

so don't send them anything?

 

just strictly the 3 bureau's?

 

and also do you think those companies have a good chance of not responding?

 

my credit score is 671 and i need to improve it since i want a house

 

I can save you time and energy with Cap1:  they will validate and they DO NOT delete or do goodwill EVER.  You are stuck with that until the end of the reporting period.  

 

If they are paid they are not hurting your credit score for buying a house.  

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