I have a negative entry on my credit report what should I do?
Friday, June 26th, 2009
Tylar asked:
I was viewing my credit report and my scores are all fairly decent 744 exp, 735 equi, and 748 TU but i have a collection agency entry from ASSET ACCEPTANCE CORP. I did dispute the item and it was returned as valid. I want to pay it but it seems pointless if they don’t remove. And will the collection agency negotiate with me to pay the debt and remove the item? And is that legal? The debt is only $86 and I got it because my ex roommate used my social. But I am not going to pay it and still have it on my report.. Any suggestion?
Kathy
I was viewing my credit report and my scores are all fairly decent 744 exp, 735 equi, and 748 TU but i have a collection agency entry from ASSET ACCEPTANCE CORP. I did dispute the item and it was returned as valid. I want to pay it but it seems pointless if they don’t remove. And will the collection agency negotiate with me to pay the debt and remove the item? And is that legal? The debt is only $86 and I got it because my ex roommate used my social. But I am not going to pay it and still have it on my report.. Any suggestion?
Kathy