Do collections keep hurting me every month?

In most cases...collections reporting every month will continue to hurt your credit. It depends on how many are reporting.

If you have more collections then you have paid as agreed accounts then it will continue to hurt you.

My advice is to dispute some of the stuff and try to get it deleted.

When I dispute some of the items should I word it like " Can you please verify the accuracy of said item"? OR just say it is flat out not mine..lol????? I think I saw somewhere on here to use the verify thingie rather than the its not mine thingie...lol

Well, I used the "it's not mine". I keep disputing over and over. Eventually they wear down and stop responding, thus getting the item deleted.

But I've heard mixed reviews on doing it this way. Not everyone has success of doing it this way.

That's a good way of having your disputes deemed frivilous. I would dispute as "Multiple Inaccuracies, verify ALL data fields"

Wear em down.... I LOVE THAT IDEA... Can i speed it up by giving them a personal visit :)

A very good point NASCAR. I think I've just been lucky with this.

Glad you pointed this out.

So basically Im asking to Verify all the data fields... not just the dofd? sounds good to me... I would not be lying if i told them i did not remember opening the account in question. I really dont. So I could simply state:

"I am unsure if this account is mine. I DO NOT recall any of the details about said act. So can you please verify ALL the information being reported on it?"

something like above????

Bump for response :)

Lets say I dispute the verify and keep reporting it unpaid each month.... Lets just say i did nothing but pay on time what i have open....and did not do anything with the collections but wait for them to fall off.... Willl my score get worse and worse each month that they report the unpaid collections? I guess im asking does it hurt u off the bat when they FIRST report it then KEEP driving your score down each month that they report it.

Pay on what i have open. ( 1CC in good standing - 1 student loan in good standing - 2 other charge acts in good standing)

let collections fall off....... what happens to my score each month????

It depends on how many unpaid collections you have.

Quite a few... :( i only have three that are classified??? as collections according to my report, but i have like around 7-10 total.

Then it will continue to hurt you.

So would it be/look better to pay them off???? or just let them fall off? or let some fall off (like the big ones..lol)

Ive heard a paid collection is only a few points better than an unpaid one???

You can negotiate a pay for delete with the company. Communicate with them in writing. There is a form letter on here for this. Offer to pay a percentage of what they say you owe....in return, they agree to delete it from your credit report. And make sure that they say delete. Sometimes the letter you get in return will say they agree to update your credit report. This is different. You want to make sure they agree to delete it.