rexbolt Tracker

Re: PAY FOR DELETE WORKS!!! +94

rexbolt — Thu, 20 Dec 2012 16:39:12 GMT

"what collection agency was it? I have 4 left."

The one that just did it, no hassle was First Federal Credit

The one I had to haggle with was Revenue Group

I really does think it depends less on the CA and more on the collector themselves. Like I said above, I wasn't getting anywhere with the agent on the phone, so I asked to speak with a manager. Don't be rude, just explain what you are looking for calmly and see how it goes.

Re: Can anyone beat this??

rexbolt — Thu, 20 Dec 2012 13:38:43 GMT

If you run your report on the TU site, at the end of the report, it gives you the all the contact info of any CA on your report.

PAY FOR DELETE WORKS!!! +94

rexbolt — Thu, 20 Dec 2012 14:20:22 GMT

10/12 - 12 Collection Accounts (9 Medical)

12/12- 0 Collection Accounts

Thanks so much to the My Fico Community. I lurked and read most of the time but your tips were invaluable.

One CA owned 4 medial collections. I agreed to pay 50% and they were actually the ones who said they would delete them. They said they are having a lot of issues where people pay off the debts, then dispute it. She told me they were doing this as policy now, to avoid having to use $$ and hours to investigate disputes.

The other CA owned the other 5 medical. At first, they gave me the song and dance about not being allowed to do PFD. I asked to speak with the manager, i explained my situation and eneded up setteling for 70% ( a lot higher than I wanted to go, but it was to remove all 5 collections which wouldn't fall off for another 3-4 years).

The other 2 were utility bills (ATT and Aqua America). I simply called the OC and spoke with someone in accounts receivable. They were able to take my payment directly and recall the collection notice from the CA.

Credit jump since October +94

10/12 - EXP 586

12/12- EXP 680

Re: Auto Loan Approvals!

rexbolt — Mon, 08 Oct 2012 11:27:35 GMT

APPROVING BANK: Huntington
BUREAU PULLED: Transunion
CREDIT SCORE: 605
CUSTOMER STATE OF RESIDENCE: OH
NEW/USED: New
YEAR OF VEHICLE: 2013

MAKE: Mazda

MODEL: CX-5 AWD Grand Touring
MILEAGE: 4
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 23, 213
TERM CONTRACTED: 6 years
APR/LEASE RATE: 5.65
MONTHLY PAYMENT: 392

ANNUAL INCOME: 75000
MISCELLANEOUS COMMENTARY: Could not believe I got that great of APR% with my credit score. I has pre approvals from Capital one and Roadloans for around 8.5%. I could have left with no money down too, but I knew going in I was going to put $$ down to lower the monthly payments. I ended up puting $4000 down and getting $3700 on my trade (which was a steal for the shape it was in :smileytongue:)