by designer0311 » Fri Feb 15, 2013 02:01:44 AM
Sorry, I'm a little confused. I'm not sure how this turned into an SOL question, as I know this is stats barred. I was enquiring if there was a way to ensure that it would be removed from the credit bureaus on the correct DOL, without them updating the DOL on my credit report if I made contact with CRS to dispute it.
UPDATE: I wrote another post a few weeks ago, and have decided to pay these guys off to rid myself of this aggravation. I made the huge mistake of co-signing for someone, so it is my responsibility even though it was their negligence in defaulting on the loan. This was the new post I wrote:
I'm supposed to only have 5 months to go before a collection comes off my credit report, but typical of CA's they have changed the date of last activity, and the credit bureau is refusing to do a thing about it....big surprise. My date of last activity with the original creditor was June 2007, and CRS changed the date of last activity to May 2008. So, I know it sounds crazy to settle now, but I don't want to wait another year and half to apply for my mortgage, so I want this resolved when it was supposed to be resolved and that is by June 2013.
So, I would like to know the following:
1. I would like to get a settlement with CRS and have it stated in writing that they will change the date of last activity to the correct date. Does anyone have experience in making this part of the deal when negotiating a settlement.
2. Also, If I get them to agree to mark this as Paid in full will my credit score take a drop just because there was some recent activity on the account. My understanding is that it should only drop if it is marked as "Settled", but I have read conflicting advice on that.
Any advice on this would be greatly appreciated!!