Best way to remove a collection?

[jpb]

I am a new poster on this sight, so if something is posted incorrectly I apologize.  I have four collection accounts showing on my reports that I am trying to remove as quickly as possible in order to start applying for a mortgage:

$175 for a pediatrician, assigned 10/13

$273 for a dentist, assigned 10/10, currently with IC System

$838 with Capital One, assigned 11/13, currently with Portfolio Recovery

$1,040 with HSBC, assigned 11/11, currently with Portfolio Recovery.

I do currently have 3 accounts with Capital One right now, a secured MC opened 6/12, an auto loan opened 11/14, and a Quicksilver card opened 6/15.  I would be able to do a PFD with at least 3 of these accounts right now, could probably do the 4th in a few months.  

My question is, should I be contacting the original creditors to try and negotiate the PFD?  And regardless of who I start with, what's the best way to start the process?

Thanks!

[Anonymous]

If you can - contact the original creditor and offer to pay if they recall from collection agency...(or pay for delete if they still hold the debt).   If they recall from the CA - then the CA has to delete because they no longer have collection authority.

Always try to PFD if you can - some places are really hard to get it tho

[Anonymous]

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@jpb wrote:

I am a new poster on this sight, so if something is posted incorrectly I apologize.  I have four collection accounts showing on my reports that I am trying to remove as quickly as possible in order to start applying for a mortgage:

$175 for a pediatrician, assigned 10/13

$273 for a dentist, assigned 10/10, currently with IC System

$838 with Capital One, assigned 11/13, currently with Portfolio Recovery

$1,040 with HSBC, assigned 11/11, currently with Portfolio Recovery.

I do currently have 3 accounts with Capital One right now, a secured MC opened 6/12, an auto loan opened 11/14, and a Quicksilver card opened 6/15.  I would be able to do a PFD with at least 3 of these accounts right now, could probably do the 4th in a few months.  

My question is, should I be contacting the original creditors to try and negotiate the PFD?  And regardless of who I start with, what's the best way to start the process?

Thanks!

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Look on your raw reports from annualcreditreport.com and see who is updating frequently (just looked at the "reported" date), that will be whats pulling your scores down the most.

[tdglass1]

I can 2nd this. I have had success with calling the collection ageny and telling them I will pay the full amount if you take it off my report. REMEMBER if they agree tell them you must have some documentation, like a letter saying they agreed to this. BECAUSE when I did it, they didnt take it off!!! I had to report them to the BBB, and luckily I made them mail me that documentation before I paid. I started a disupute on the BBB website against the collections agency, and they took it off immediately. Hope this helps.