Collection Agency Won't Delete Record - All Hope Lost?

[jbh]

Hey, Is there a way that, after my payment goes through, I can have the credit reports delete it? Or is it just going to sit there for 7 gd years? I really hate these soul-less companies, I really do.

[Anonymous]

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jbh wrote:
Hey, Is there a way that, after my payment goes through, I can have the credit reports delete it? Or is it just going to sit there for 7 gd years? I really hate these soul-less companies, I really do.

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No, the CRA will not delete once you pay.

If the CA won't accept a PFD, and you decide to pay, continue to send GW letters once it is paid asking them to remove.

What is the DOFD?

[jbh]

This came into existence in June of '08. And Asset made it clear they do NOT delete records. So I'll have it listed as 'paid' for 7 years, but it'll sit there. Terrific. God, these companies suck. You can't make mistakes. I mean, a sleeper cell from Al Queda can get a gd loan but a person who works hard can't make one **bleep** mistake.

[bridgetkaryn]

Hi jbh,

Do a search on here for Asset Acceptance... I KNOW I have heard of people having success with them...  Don't ever give up hope... You would be surprised what perserverance can do... I had 8 collections on my CR's, now I have 1 and the OC agreed to have it removed... there is hope...

Good Luck!

Bridget

[jbh]

Thanks for the reply. I have performed a search but the only replies I have seen so far confirm that they do not co-operate. Was there really an account they had deleted through PFD's? They seemed intent on saying no. It's as if they get joy out of saying no Thanks

[llecs]

Keep with the GWs and if that doesn't work, send them a DV and they could delete.

[Donks3369]

So you can send a DV letter on an account you have already paid?

[jbh]

I'm curious, are there ways to contact the original source (Ballys) to delete it or is it something only collection agencies have the power to do? Thanks

[llecs]

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Donks3369 wrote:

So you can send a DV letter on an account you have already paid?

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http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&message.id=11155&query.id=...

The link includes recent success stories of DVing a paid CA which resulted in a delete. To add to the list, schoolbuskid recently got a CA to delete after paying without a PFD.

[llecs]

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jbh wrote:
I'm curious, are there ways to contact the original source (Ballys) to delete it or is it something only collection agencies have the power to do? Thanks

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It is possible if Ballys still owns the debt. It would depend on the agreement between OC and CA.