07-06-2007 09:30 AM
07-06-2007 09:39 AM
trinigal wrote:On the VS, if you made arrangements with WFNNB on a settlement, which you paid, you need to call them and let them know a CA is coming after you.
07-06-2007 10:10 AM
princessofpink wrote:I don't know. I'd pay the extra $190 to get it deleted.
07-06-2007 10:31 AM
trinigal wrote:My only argument is that is seems shoddy of them to agree to settle (and some more info. on the terms of the settlement would be helpful) and then have someone else go after her for more money.If she can get it deleted without having to come out the pocket again, then she should try that first. She also hasn't told us how its reporting on her CR and who's reporting it.Not saying I don't agree with you, but rather than come out the pocket first, a settlement was made, and that means something. If and only if there is no other option, then she should pay the $190 IF and only IF they are going to delete and derog. they are reporting.I'm just not one for handing over money to any and everyone who put their hand out and claims I owe them. We have rights and I'm learning very quickly, people will try to get you where they can and one should avoid it as much as possible.
07-06-2007 10:36 AM
07-06-2007 10:53 AM
07-06-2007 11:09 AM
princessofpink wrote:I agree with you, but once it's been paid they probably won't delete without any additional payment. It's definitely it's worth a try, but they most likely won't delete a settlement. Honestly, to me a couple hundred dollars is worth a delete. I have a few medical small amount medical collections that I would pay double what is owed if they would delete them. Not that I'm made of money, I'm a single mom getting nada in child support. But I've come to realize these bad debts cost you so much more than actually amount due ever would. I'm not just handing out money either. But I feel like even when you do settle, the reality of the situation is that ethically you still owe them money. If paying it would give me both piece of mind that I did the right thing as well as a deletion, then I can feel really good about paying.Just my two cents.
07-06-2007 11:15 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.