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HELP!! Requesting deletion after collection account was already paid

Established Member

HELP!! Requesting deletion after collection account was already paid

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."
Message 1 of 11
10 REPLIES
Established Contributor

Re: HELP!! Requesting deletion after collection account was already paid

Don't forget the sexy music, candles and your voice must be dripping with sweetness.Smiley Wink
" I like to live as a poor man, with a lot of money." - Pablo Picasso (who was a jerk.)
Message 2 of 11
Established Member

Re: HELP!! Requesting deletion after collection account was already paid

Yes, I was being very polite and nice to the person I spoke with, and plan to do the same when I speak to the supervisor, but what about content? Is what I said before okay? Should I add anything, take anything out, phrase it differently? I don't want to muck this up.
Message 3 of 11
Established Contributor

Re: HELP!! Requesting deletion after collection account was already paid

I think what you want to get across is how appreciative you would be for their goodwill. You have the basics - just try to convince them that his/her help would be wonderful. These people listen to screaming allllll day, so a nice lady on the phone will go far.
 
*DISCLAIMER* I know, I know. If they didn't want to listen to people scream all day, they should get a different job. I'm just sayin'.....
" I like to live as a poor man, with a lot of money." - Pablo Picasso (who was a jerk.)
Message 4 of 11
Established Member

Re: HELP!! Requesting deletion after collection account was already paid

Thanks for your help. Cross your fingers for me!!
Message 5 of 11
Established Contributor

Re: HELP!! Requesting deletion after collection account was already paid

How did it go?
Message 6 of 11
Established Member

Re: HELP!! Requesting deletion after collection account was already paid

I just got off with him, he said it's "not their policy" to negotiate for deletion, and I can try writing to their consumer services department. Smiley Sad
Message 7 of 11
Established Contributor

Re: HELP!! Requesting deletion after collection account was already paid

Get on your laptop and start typing that GW letter.  Don't get discouraged, you have not yet exhausted all the possibilities.
 
 
Message 8 of 11
Established Member

Re: HELP!! Requesting deletion after collection account was already paid

I am definitely going to write it. Do you know of any good templates I could get inspiration from? I have no idea what to say.
Message 9 of 11
Established Contributor

Re: HELP!! Requesting deletion after collection account was already paid

 

annah618 wrote:
I am definitely going to write it. Do you know of any good templates I could get inspiration from? I have no idea what to say.



 
 
 
 
Courtesy our dear Tuscani.  One of those, or some combination should help.
 
Message 10 of 11