Is PFD is right for me?

[child]

I have an old (2006) negative account in my credit report. This is due to a cleaning charge by the ($1000) with apartment management (name A), when I moved out the apartment in the year 2006. It is not a genuine charge. I denied to pay. The apartment owner contacted a CA (Name B). B contacted me regarding this charge. I disputed the charge in writing to both apartment owner and the CA-B, with in 30 days of their initial letter. After a year another CA (name C) contacted me for the same account. I again sent a dispute letter to both B and C, and requested them not to contact me unless they have new evidence. After that (in year 2007) no one contacted me.


Now I want to clean up my credit report. My credit report shows the name of the CA-B in the negative item. What is the best option available for me now, as it is a 3 year old item?

I intend to write a pay for delete letter to CA. Is it a good idea? Will it help or hurt? If so, to which CA, I should send the letter? Am I required to send the “pay for delete” letter to a CA “B” or “C” or the apartment owner “A”?


Does SOL has any effect on my new initiation?

Thanks,

[chane]

Dispute it first.

[child]

Originally Posted by chane

Dispute it first.

I have already disputed this item with both CA in 2007, with copy to OC. I sent a dispute letter in 2007, explaining why it is not a genuine charge. After that, since year 2007, no one has contacted me. Now how can I dispute again?

[chane]

Just send them another dispute letter. You can dispute as many times as you want. Just make sure you wait 30-40 days between disputes.