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How can I get two old collection accounts from ARS CREDIT SOLUTIONS For 111 dollars and 63 dollars. Obviously paying it isn't a problem but I want them to delete the accounts from my credit. Any ideas? Tips? Also I had a chap 7 do in 2007 and it's off Experian and equifax but not transunion. I have sent letter after letter, even notarized letters and transuion will not budge. Any ideas?
Thanks all
I just got rid of an ARS collection.
When I called to pay it, THEY offered to remove it before I could even ask. I paid, emailed them a statement saying I would not cancel or stop the payment. Within a couple of weeks it was gone off all 3 bureaus.
@Creditman03 wrote:How can I get two old collection accounts from ARS CREDIT SOLUTIONS For 111 dollars and 63 dollars. Obviously paying it isn't a problem but I want them to delete the accounts from my credit. Any ideas? Tips? Also I had a chap 7 do in 2007 and it's off Experian and equifax but not transunion. I have sent letter after letter, even notarized letters and transuion will not budge. Any ideas?
Thanks all
Try the PFD on the collections. A BK7 can remain on file for up to 10 years post filing. If it was dismissed they may drop it at the 7 year mark but they dont have to.
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Q-amp-A-Examples-and-PFD-Success-Stories/...
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Example-Letter/td-p/4519
@Anonymous wrote:I just got rid of an ARS collection.
When I called to pay it, THEY offered to remove it before I could even ask. I paid, emailed them a statement saying I would not cancel or stop the payment. Within a couple of weeks it was gone off all 3 bureaus.
Did they send you a letter stating they would remove it from your credit? These two accounts have only ever reported to Experian.
@Creditman03 wrote:
@Anonymous wrote:I just got rid of an ARS collection.
When I called to pay it, THEY offered to remove it before I could even ask. I paid, emailed them a statement saying I would not cancel or stop the payment. Within a couple of weeks it was gone off all 3 bureaus.
Did they send you a letter stating they would remove it from your credit? These two accounts have only ever reported to Experian.
I had to email first (after I paid) and promise not to cancel the payment at anytime and that I wanted it removed from my reports. They emailed a letter the next day saying that they submitted for removal to all three bureaus.
It was about as pleasant as a debt collection could possibly be.
@Anonymous wrote:
I can second that. I had 2 collections with ARS that were about 700 each that I was able to get a PFD this month. I paid in full and emailed someone there like i was instructed and stated I wouldn't stop or cancel payment. Couple days later I was emailed a document on official company letterhead apologizing for any inconvenience and that they submitted to all 3 credit bureaus to be deleted.
About 3 weeks later they were erased from my report.
I wish all CAs were this easy to work with cough cough conserve...
So you paid first without a guarantee in writing that they would remove it from the credit bureaus? You recommend me just calling and speaking to someone and asking them ?
@Creditman03 wrote:
@Anonymous wrote:
I can second that. I had 2 collections with ARS that were about 700 each that I was able to get a PFD this month. I paid in full and emailed someone there like i was instructed and stated I wouldn't stop or cancel payment. Couple days later I was emailed a document on official company letterhead apologizing for any inconvenience and that they submitted to all 3 credit bureaus to be deleted.
About 3 weeks later they were erased from my report.
I wish all CAs were this easy to work with cough cough conserve...So you paid first without a guarantee in writing that they would remove it from the credit bureaus? You recommend me just calling and speaking to someone and asking them ?
By all means, if you feel more comfortable getting it in writing, you could ask for it.
My experience was prior to looking into these forums so I didn't know any better and just had the dumb luck that ARS was so willing to remove it. Since someone else had the same experience, I would say that it might just be standard operating procedure for them.
ARS also offered me a huge discount the first time I called in, but I denied because I didn't remember the bill and came back months later to pay the debt.
@Anonymous wrote:
I did. A friend from work had recently paid a collection with them and I was skeptical but he vouched for it.
I called them and the CSR brought up the PFD before I even had a chance to.
I still have the letter if you'd like to see it if it will make you feel more at ease.
Oh I also only ended up paying 55% of total balance which was also all on the CSR without me even asking I was prepared to pay everything just to have it deleted.
They offered that to me as well! I was typing it as you posted it.
Seems like discounted balance and removal are their routine.