Have in one month cleared 5 CA agencies from my CR and only have the two worst agencies possible left on my credit report. So I have a question. Portfolio and Midland are the two agencies left. Have sent both CA’s a DV. Portfolio is getting to the end of there 30 days in a week or so and Midland has received the DV yet… So with that said is it accurate that collection accounts have less effect on your credit after two years? I refuse to pay portfolio without validation as the amount of the debt is incorrect. How do I continue if I do not get debt validation?
As always thanks for the help!!!!