Whom should I contact to remove the account from my credit report?
Date: Wed, 10/23/2013 17:48
I have missed my credit card payments for nearly 5 months. The accounts were sold to a CA in Cullman (AL). I have sent a PFD letter to the CA and they have not given a reply. Thereafter, I called the OC and made a settlement offer. The creditor accepted the offer and I made the payment over phone. Now, that the debt has been repaid, I want to know about my options. Should I ask the creditor to remove the account from my credit report? Should I request the CA?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.