OC versus CA

Oct 252010
 

Hello All!

First I would like to thank this for forum for all the useful information.  I sent out a GW letter last night for two CA’s that were paid in July asking to remove from credit report.  I received an email this morning stating they would remove!!! I have a question regarding OC and CA.  I have a some accounts that have been sent to CA’s however only the OC is reporting on my credit report.  I sent one of them a PFD letter and they responsed back stating I need to settle with the collection agency.  I’m confused as how to proceed from here.  The CA is not listed on any of my CR’s.  What would be the best option from here?

Question… Should I Goodwill or Let Tradeline Fall Off

Mar 252010
 

I have an JCPenney credit card account that was charged off in 2003 and turned over to a collection agency. The account was deleted by the collection agency, but not JCPenney. I know they are not required to delete the tradeline just because the CA did so. It should fall off around the fall of this year, but I need it off now! I GW’d one of the higher ups by fax, and some guy called me back stating that there was nothing that he could do to help me. Should I just keep trying with different “Big Wigs” to get it deleted, or just wait until it falls off? I have rebuild my credit and opened up another JCP card as well as other accounts that are in good standing. Thanks in advance for any advice.