shifter

Jan, I'm just confirming you are sure you paid the full amount due including any late fee on Feb 6. Are you looking at your paper reports directly from the CRAs? Any dispute will start there.

One option is to find inaccuracies on your paper reports and dispute via Jack Attack method.

A little late. You have 30 days to request validation.

Sorry to hear that. 😒 There's not much you can do at this point as you can certainly dispute but they will just validate and it will cement the LP on your reports. If Feb is reporting wrong that will just fix that and leave the Jan 30DL. Although, are you sure that you paid the late fee and brought the account current in Jan?

Waiting 45 days defeats the purpose. But the 1-2 Punch only works when you receive a Dunning. Since the only CA to send you a notice is TrueAccord and they aren't even reporting, the 1-2 Punch doesn't seem to apply to your current situation. The process is described here:

I just logged in to the app and it still shows me the Vantage. Maybe depends on product?

Others have indicated they will probably all be removed upon completion of the program.

Sounds like your email worked. That's how it goes. You're not going to hear back from the President. They forwarded your email to an assistant to deal with. Did the VM give you contact information?

Interesting that they seem to do internal collections. Haven't seen much of that from utilities. You could certainly contact them and ask. It may actually be their policy to delete the TL when you PIF.

753 (+22) Wife: 772 (-10)

Who is reporting? I'd imagine it's a CA?

Never dispute an accurate LP with the CRA. Only dispute inaccuracies.

Unfortunately, you're going to have an uphill battle here. I would have gone into a branch before the 1st and made the payment. Sure their online system should have worked but now you have a problem with no clear solution. I would absolutely not start a dispute with the CRA as you will lose and it may cement the LP on your reports regardless of what Truist may do in the future. At this point I would probably find an email address for the president or other higher up executive and put your case together and send it off.

Auto-pay? 🙄

Possibly or possibly not. I've actually had pretty good luck with the ACR online reports. But I still call the individual CRAs and order my paper reports over the phone. Do you already know these accounts are more than 7 years since they went delinquent? 5 years since the BK but were they delinquent for a while before that?