Credit Card Center Advertiser Disclosure†
03-01-2012 04:32 PM
I sent two PFDs to Credit Collection Services for two small balances ($78 and $133) on my report. I offered a settlement in my letter and would even have considered paying them in full in order to have deleted. Today I received two letters stating:
" Please be advised your account has been closed by this office and returned to your creditor. We would like to apologize for any concern this may have caused you. We have instructed the credit bureaus to delete the account...."
They are older (original debt is from 2006 and 2007); I'm just amazed they're deleting without payment! I've got more serious issues I'm still working on, but will be nice to see some of this stuff off. What's the worse that can happen..the OC gives it to another CA?
03-02-2012 08:48 AM
Wow, best response ever to a PFD offer: "We will in fact delete your report as you request, but instead of accepting the money you offerred, we would like to do it for free!"
I wish this company had my accounts.
03-02-2012 09:14 AM
If this is a negative tradeline on your credit report and the original creditor still has a negative tradeline on your report, the deletion won't do much. They probably had to delete it as they are probably missing some sort of account paperwork OR most likely because it is past the statutue of limitations for that collector to collect the debt (4 years in PA for unsecured credit card debt). I've had these removed, but the original creditor is still on my credit report. Will fall off after 7 years.
03-02-2012 04:07 PM
The OC is not on my reports, just the CA..they are past the SOL, so I'll just have to watch to make sure it doesn't pop up sometime. I'm not thinking it will do anything much for my score..I've got other things I'm working on for that..it's just nice to have those two baddies off
03-17-2012 05:11 AM
Thanks a ton for this. I sent essentially the same letter for 2 accounts offering a PFD and recieved my letters back deleting both without any payment. Amazing what a couple bucks at the USPS can do. I cant wait to finally see them fall off!!!!!!!!
03-17-2012 05:27 AM
Can you PM me the letter and address you used please? I have 2 from them, although 1 is a paid collection and the other is for about $560 and have had no success to this point. Thanks
04-04-2012 05:40 AM
Hi Could you send me an example of the letter you sent? I have one with them and it's my only negative account on EQ. The collection is paid but I'd like to try with them anyway.
04-23-2012 02:32 PM
Excellent news I have a very old collection from these guys that is set to fall off next year so hopefully it would be a prime candidate.
Could I have the contact info/letter as well?
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.