December 2nd, 2003

lookin' good

It just went away...

For the last seven years, I've been fighting a battle over a collection account for money I didn't owe.

Well, I won the court battle on whether I owed the money, but I wasn't able to get the collection account removed from my credit report without suing the collection agency in return--a costly process that would likely have cost substantially more than I would have paid just by settling the debt.

Legally the credit bureau couldn't keep the record longer than seven years--but I was pessimistic that the record would just vanish without me filing a dispute.

Sure enough, I checked my report today--and the collection account is simply gone.