[apexcrsrvc]

Originally Posted by GOOD GUY BAD CREDIT

Hey apex thanks for the easy breakdown.

Jlynn said I should DV with the collection agency's and dispute with the bureaus. How can I get the addresses and info for these purchasers? It's funny I have these things on my reports but the CA's never send me any correspondence in the mail so I don't know how dispute with them.

Can I just dispute with the bureaus? Also I looked at your site and am planning on retaining your services for the aged accounts but I was curious if the effect on the score is permanent or just temporary when you add these aged accounts?

Thanks much to all!

Oh one more thing as far as utilization goes. Is it better to just paid down your cards to zero or just to a really low balance? Which one raises your score more?

As Jlynn states, it should be on your reports. Make sure you search your secretary of state's office for an actual officer in these companies to send the requests for validation to. Along those lines, yes, I would advise you to contact them directly as well as through the credit reporting agencies.

Just pay down the balances to zero. We've seen no reliable data that supports a balance favorably impacts a score and assuming it did, it would be to marginal to justify the hassle of payment. Do use them periodically though.