I had lost my job and my credit went down the drain. My score is in the upper 500 and I am trying to get to at least 700 as soon as possible. I have paid most of the accounts off and the others will be paid soon. What I am trying to figure out is that I have a credit card reporting on the report and the Collection agency reporting on the report and they are both the same account. I am wondering if it would be worth my time to dispute the primary account holder since they no longer own the account as it was sold to a CA? I know this is a shot in the dark and dont know if its possible.
I have previously talked with a friend of mine who is a collection agent and she told me you can dispute it with the primary and nine times out of ten they will remove it because the debt was paid and they dont want to pay the fee to report it every month. I am looking for help to clean it up fast. Im tired of hearing well pay your bills on time, and all that jazz, I lost my job….cant help that. No money, no bills can get paid. I am looking for a faster way since they are all paid! I owe nothing except for what is good and what is current!