ENHANCED RECOVERY FOR SPRINT

[Anonymous]

Hey everyone! Lots of great info is available, and I do appreciate everything I have been able to sift through in order to better improve my credit scores.  I am currently in the process of trying to qualify for an FHA loan, and after speaking with my loan officer, I do have a few questions about trying to negotiate over the phone on a pay for delete (due to the time sensitive nature of this-- I'm currently six months pregnant with twins). 

I have to go up for battle with Enhanced Recovery on a Sprint bill $396 dating back to Feb 2010. I am willing to pay it in full in exchange for a deletion from all three reporting agencies. I do not have time available to send them this offer in writing and wait for a response. Any tips on how to obtain this type of agreement over the phone? 

[gdale6]

I would call Sprint ask them to recall the CA in exchange for full payment immediately. If they agree and then fail to follow through you can file a shoddy business practice case with the BBB. Normally I would not do things over the phone but you are time constrained and this is the fastest thing I can think of. Good luck

[Whitneyy]

Have you sent ERC a DV? 

A lot of times they can't verify your debt and send it back to Sprint right away and you can try to pay that way.

Good luck!

[Anonymous]

I have not. Is this something I can do via email from their website? I know traditionally I'd send them a certified letter, but I'm a little crunched for time to do that. 

[Anonymous]

Talked to ERC this morning. Rep and supervisor both told me absolute no go on PFD. They say the best they'll do is a paid in full letter. The supervisor also said he'll start the debt validation process. I am just so discouraged. Do I try again? I wouldn't be calling to handle this normally, but time is of the essence here.

[GoodCredBen]

Rebuilding - 

Try not to create multiple threads for the same issue please.

I would do exactly what was suggested earlier with calling sprint to say if they recall fromt he CA, that you will pay the balance in full immediately.