I have a phone date with a collections supervisor at 3:15 PST to discuss deletion of my account.
I already spoke with an underling who didn't know what I was talking about, which is why he is referring me to the supervisor.
What spefically should I say? I paid the account about 18 months ago. I am trying to get a mortgage and this collection is dragging my score down. Here is the gist what I said to the underling:
"I am calling to request that you delete my account from your records, and stop reporting to the credit bureaus. I paid the account quite a while ago, and I am now trying to get approved for a home loan, but this collection account is pulling my fico score down. I was hoping that you would delete the account since it has been paid for over a year."