Reply
Established Member
Posts: 13
Registered: ‎08-10-2007
0

Question on a collection account????

I had an account that was reported to NCO last year in november, after looking at my credit reports they had immediateley reported it to the credit bureau before they notified me. Well once they notified I did acknowledge the debt and advised to them I could do a payment plan or I will just pay it in full in January 07. I asked if they had reported it to the CRA and I was told no. But it was. My question is can I send a PFD letter if I paid the collection account in full. Do you think they may consider removing this from my credit report.
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Question on a collection account????

GW is what you want if you already paid.
Established Contributor
Posts: 905
Registered: ‎05-09-2007
0

Re: Question on a collection account????

Weelcome to the MyFICO boards Lavonda! :smileyhappy:
 
Unfortunately your idea to PFD will not apply here... But as Tuscany has suggested, consider drafting a GW that speaks to the verbal agreement not to report the information to the CRAs and ask in a suck up way to please remove the derogatory information.
 
You'd be surprised what a small amount of elequence can do for your FICO health! :smileywink:
 
Good Luck. Keep fighting the good fight.
 
Rob
Established Member
Posts: 13
Registered: ‎08-10-2007
0

Re: Question on a collection account????

Thanks a millon I will try that and see if it works. Thanks for your response.
Established Member
Posts: 13
Registered: ‎08-10-2007
0

Re: Question on a collection account????

Thanks Rob, I will try that and see how it works. I just checked all of my scores TU is 646, Experian is 624 and Equifax if 579. I am really trying to boost up my equifax score.
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.