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Looking to remove Verizon / Pinnacle if feasible


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I have a collection from Pinnacle appearing on my Experian and Transunion reports which is due to fall off in Dec and Feb. I'm thinking of purchasing a new car in the near future, and while my scores are currently in the low 700's with these 2 CRAs, it's in the 800's with Equifax with the main difference being this one collection. I've searched the forum and read other members accounts on their attempts to remove Pinnacle / Verizon from their reports, but I there wasn't much hard data nor any recommendations on when to attempt removal. Most people said it was difficult or impossible, but they didn't specify how far in advance they were attempting to remove the collection. Hopefully some of you have had luck removing this, whether it was 2 months or 6 months before it was due to fall off, so that's why I'm starting a new thread on this topic. Hopefully I / we can get some firm data on removing this beast. I'll be updating with my own experience once I feel ready to proceed.

 

Experian
PINNACLE CREDIT SERVICES
Original Creditor: VERIZON WIRELESS
Date Opened: 06/2013
Status: Collection account. $377
Status Details: This account is scheduled to continue on record until Dec 2016.
Transunion
PINNACLE CREDIT SERVICES
Placed for collection: 06/20/2013
Balance: $377
Responsibility: Individual Account
Account Type: Open Account
Loan Type: FACTORING COMPANY
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: 02/2017
FICO 8 scores

 

Transunion 719

Experian 733

Equifax 821

 

 

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