Hi Gerald,

Everyone's situation is different and we are not allowed to give you specific legal advice. However I can give you some general information that may help... and also show you some additional tools that might be useful for you.

Generally speaking: "prior" to paying an account off would have been the best time to negotiate removal of negative item (in return for payment -- i.e. pay for delete). This would have been done directly with the creditor prior to paying them off. Thats the time when you most have leverage over a creditor. However, since you are now disputing directly to a credit bureau (You wrote CRA instead of Credit Bureau, but Im guessing you mean CRA as Credit Reporting Agency)...if you had 3 items associated with the same original account and you disputed #3 only and they removed #3 (plus#1), that in itself is an accomplishment. Congratulations. If you did not dispute #2 (and #2 is still there) you might want to trying sending another dispute letter specifically aimed at removing #2. If it were me I would say that item (#2) was listed in error and should have been removed along with the other items (#1 and #3) that were already removed last month. That's certainly worth a try.

30-40 days later, if they should refuse to remove #2, you have the right again and ask for details of how they came to their decision and/or proof of verification. You might want to look at some of these additional letters for your word processor: Open your Credit-Aid Software and click on LINKS...and then look for the link that says "New Letters at Credit Aid" Download those letters. I would specifically look at letters #11 (Request to Describe Investigation Procedures), 12 (Validate Debt Item- Creditor or Credit Bureau) and possibly 14 (Intention to File Complaint with FTC- Credit Bureau) or 15 (Intention to File a Complaint with the FTC- Follow-up after 30 days) if the bureau refuses to comply... #9 (Inaccurately Reported After Investigation Request -- The Prove it Letter): might be worth looking at, as well. Again, everyone's situation is different, but you certainly have rights.

Here is a list of all of the additional letters you can download from the link in your software:

1) Dispute Items - Credit Bureau (alternate)
2) Remove Inquiry - Creditor (alternate)
3) Dispute Items - Credit Bureau
4) Dispute Item - Creditor or Credit Bureau - (alternate)
5) Temporarily Stops Collection
6) Dispute Collections
7) Dispute Follow-up Letter (after 30 days)
8) Dispute Follow-up (after 60 days)
9) Inaccurately Reported After Investigation Request (The Prove it Letter):
10) Dispute Item "Not Mine”
11) Request to Describe Investigation Procedures
12) Validate Debt Item- Creditor or Credit Bureau
13) Dispute Items – Creditor
14) Intention to File Complaint with FTC- Credit Bureau
15) Intention to File a Complaint with the FTC- Follow-up after 30 days
16) Notice of Intent to File Complaint to FTC - Credit Bureau Follow-up after 60 days
17) Sample Frivolous Dispute Letter #1
18) Sample Frivolous Dispute Letter #2

I hope this information helps.

Good luck to you!

Great ! I am so happy!  It's not so hard once you learn the rules.  Good luck to you!