I recently started my first big-boy job and am working to repair my credit from being an idiot in college.
I live in Texas.
The original creditor was DirecTV. I owe them for equipment that was not returned.
I have a $419 collection account from Receivables Performance Management.
The CA was opened on 01/2011 and was reported since 03/2011. It was last reported on 03/2011.
Today I spoke to both DirecTV and RPM. DirecTV still has the account on file, and I can make payment in full at any time.
After I verfied the account was still open with DirecTV, I called and spoke to three people at RPM. RPM stated that even if I pay DirecTV in full, they can only mark the account as Paid in Full; they can not delete it. I understand that PiF won't help my credit much.
I then called DirecTV back and they stated that once I paid them, the account would be deleted from my credit report. I asked for this in writing and am getting the run arround. I know it is possible, because I just had success fixing an old Sprint account using the same method.
I searched these boards and found some old threads regarding contacting John Suranyi (President of Sales & Service) for help with deletion, however those threads were from back in 2007 and he no longer works for the company. I am having limited success finding who I should email these days.
I am ready and able to make full payment, but only want to do so if the CA will be deleted from my credit report. Where should I go from here?
I would probably take their word for it. Some companies just don't want to say they made that arrangement.