Originally Posted by John
She was stupid to pay off the account though, really stupid (not like this is really surprising coming from her). If it's gone to collections, you can dispute the charge through the credit reporting agencies, and 9/10 times, they don't verify the dispute and it comes off 30 days later.
www.equifax.com allows you to do this online, for anyone wanting to try it, it will only cost you about 17 bucks total, and you get your score
+10
Not to mention, how long ago was the last payment made on the account? Florida has a 4 year SOL on open debts.
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