So I had 2 negatice accounts on my CR one was a 20k CO the other was a 1,800 CO and i have about 20 Pays AS Agreeds. The CO for 20k, I finagled my way in to getting the OC to delete the trade lines from the CBs. It is completly gone from EFX. EXP and TRANS I have not verified because they want you to pay. So I will be getting a copy of my credit report free tomorrow to verify they have been removedas well. Thats some sucess since the OC did not have to do that.
How should that affect my credit score, now that it is completly removed? that account was diliquint since feb 2006.
Now the problem is I disputed the 1,800 CO through EFX who said they verified the debt as mine. No problem, I know its mine. I called the OC the number is a non working number. so I called the number found on their website. They said they have no information on that account. The account is listed as sold in 2006, but the CA is no reporting the account. so I have no idea who owns this account or how to get intouch with them.
What can I do besides wait for this to fall off my credit in 2 years or so? The satue of limitations in my state is 5 years for written contracts. Would it be better to just wait and have it fall off or try and pay it which would change the date of last activity?
Thanks all