01-22-2013 12:49 PM
My husband and I applied for a USDA loan. We were told that we had to get 2 collections (the only ones on his report) deleted in order to be approved. Lender specifically said deleted, "paid in full" would do nothing for us.I called the collections agency, offered paying IN FULL in exchange for deletion. The "supervisor" actually told me that they would rather have the amount unpaid than delete it for us. Now... obviously this makes no sense. He was exteremly rude, so I don't know if I could get somewhere with a different person on the phone. But, does anyone have any tips for successfully negotiating a pay for delete? Again, the amount is small ($211) and I offered to pay in full, no settlement required. Thanks in advance.