05-13-2011 12:40 PM
I made the terrible mistake of paying off old collections without negotiating a deletion. What was I thinking. Can someone please tell me the next step I need to do to get them removed from my credit?
Alpat Collections- payment after chargeoff/collection
Asset Acceptance LLC- Payment after Charge off/Collection
Enhanced Recovery Company- Payment after chargeoff/collection
National Credit Systems- Payment after chargeoff/collection
WFNNB/Avenue- Payment after chargeoff/collection
World Finance- Payment after chargeoff/collection
Security Finance- Payment after chargeoff/collection
Has anyone had to deal with these companies?
Any assistance I can get will be desperately appreciated.
05-13-2011 12:44 PM
I haven't dealt with any of those companies specifically. Only thing you can do now that they are paid is to ask for goodwill removals. I will say my GW removals did not come until at least a year after the charge off and many months after the payment.
Don't get frustrated. Try GW letters and if they don't work this time, try again in a couple of months. In the meantime, make all of your payments on time and don't apply for a lot of new credit.
05-13-2011 04:45 PM
OP, welcome to the forums!
Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.
What Steps Do I Take - great for learning the repair process.
and Example letters - PFDs, GWs, DVs, etc.
Ditto. I'd send GWs to all CAs asking for a deletion. For the WFFNB, send a GW if that account isn't your oldest or among your oldest TLs. If the DOFD of that account is approaching 7 yrs, then I wouldn't do anything to it.