re: Dispute item on credit report (update)

Go to the original creditor and talk to them about having it removed.

If that doesn't work send a certified letter to the collection agency or at least get beyond the collector level at the agency, offering a pay for delete. If they don't accept that screw them. A collection derog on your report hurts your score the same if its open or settled or paid. If its a few years old its even better to have it collect dust rather than report a new date of last payment. If they call then ask them to file for judgment. If they don't then send a letter to cease and desist so they stop calling you until it hits the SOL. How much is the bill for?

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Dispute the claim with the credit unions?

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You can try.. But not sure what Neighbors or Pentagon or the like would do.

The worst thing you can do on 2 year old debt is bring it current even if to mark as paid. The DOLP becomes <1 year and that will typically reset the clock on that collection derog. Her score will drop further.