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removing collections paid in full



Sub: removing collections paid in full
Mon, 11/01/2010 16:51

I have alot of collections I have paid off and now i am trying to get them removed because they are still hurting my credit. How can I do this fast?



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Sub: #1 Quote:Originally Posted by Anonymousim trying to clear a debt thMon, 01/11/2010 - 16:51



Quote:
Originally Posted by Anonymous
im trying to clear a debt that i was not aware that i had, in speaking with the collections company i told them i would send payment in full and that i would need something showing that the account was cleared. I was told that they would not send a PIF letter until i also paid OLD accounts that had dropped off my report years ago. Basically they were holding a PIF letter for ransom. Is this leagel?????


Before you pay them ANYthing I would get an agreement in writing, signed.

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Sub: #2 im trying to clear a debt that i was not aware that i had, in spMon, 01/11/2010 - 16:45



im trying to clear a debt that i was not aware that i had, in speaking with the collections company i told them i would send payment in full and that i would need something showing that the account was cleared. I was told that they would not send a PIF letter until i also paid OLD accounts that had dropped off my report years ago. Basically they were holding a PIF letter for ransom. Is this leagel?????


Sub: #3 They often will not remove it unless you negotiate for a pay-forTue, 08/11/2009 - 22:54



They often will not remove it unless you negotiate for a pay-for-delete, which usually requires payment in full.

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Sub: #4 I have a ? to this, I guess I'm still a little confused,what hapTue, 08/11/2009 - 06:19



I have a ? to this, I guess I'm still a little confused,what happens if you want to settle the debt,the ca agrees to take the payment but doesn't agree to remove from your credit report? Does that ever happen? What do you do then?


Sub: #5 True, it *is* only for effect. But, the CRAs have a bad habit ofTue, 08/04/2009 - 22:53



True, it *is* only for effect. But, the CRAs have a bad habit of disregarding consumer disputes - especially "it's not my debt" disputes (which are often answered by the collector as "oh yes it is") so it is a good effect, IMO.

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Sub: #6 Ditto what Chrys said. Although having your letter notarized isTue, 08/04/2009 - 22:43



Ditto what Chrys said. Although having your letter notarized is just more for effect than anything. If you don't know a notary, I wouldn't go pay to do that.

Even while married, you both have separate credit reports. Joint accounts will be on both of your credit reports, while accounts that you take individually will only be on your credit report - not your spouse's (and vice versa).


Sub: #7 If it is accurate, they do not have to delete it. If it isn't,Tue, 08/04/2009 - 20:41



If it is accurate, they do not have to delete it.
If it isn't, send a Notarized statement to the CRA (mail it) that you swear that it is not your debt along with a strongly worded letter that they remove it immediately or you shall investigate your legal remedies.

FRAUD: RECOGNIZE IT. REPORT IT. STOP IT.
Rip-off companies - FTC.
Phone harassment by Debt Collectors - FCC.
Banking issues, like ACH problems - OCC.


Sub: #8 i sent a PDF letter to a collection agency and they came back anTue, 08/04/2009 - 09:10



i sent a PDF letter to a collection agency and they came back and basically said that they cannot delete the account from my credit report -- what should I do???

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Sub: #10 My Question: If am marred do you both have separate credit reporMon, 08/03/2009 - 17:59



My Question: If am marred do you both have separate credit reports. If she gets a account with out me knowing and dose not pay it will it be on my report ?


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