Credit Card Center Advertiser Disclosure†
02-28-2013 09:57 AM
I think I just made a classic mistake that everyone warns you about.
I had 2 items on my credit report from the same collection agency. The first one was a medical collection paid in full, but still a collection. I paid it a couple years ago and I sent a GW letter 2 days ago to explain the circumstances and ask for it to be removed...since it was paid. I received a really pleasant call from them this morning saying that they would be glad to remove it for me...but I had another delinquent account with their company. So, the second collection was unpaid in the amount of $360. When I mailed the GW letter for the first account, I also sent a PFD for the second, unpaid account. She told me that if I would pay the $360 in full, they could remove both items from my credit report. So, following the advice of all of the forums, I asked for it in writing. She asked me to hold and then came back after speaking to her supervisor who said that they can't issue those letters before payment because they've been used against them in disputes before. She did say they would email me a letter today saying it was deleted and then they would mail a hard copy. So...I did it. My Equifax report shows 4 negative accounts and these are 2 of them. I sent a GW to the third, and a PFD offer to the 4th...so there's a chance I could clean this whole thing up pretty quickly.
BUT.............I haven't seen the e-mail yet and this was a couple of hours ago. I have the name of the girl I spoke to and her supervisor.
Did I just make the biggest rookie mistake ever???
02-28-2013 10:22 AM
02-28-2013 10:24 AM
1. Call them again and politely ask for the e-mail which they promised to send.
If that doesn't work,
2. E-Mail an executive and provide all information including time of the call and name(s) of the persons you spoke with.
There's still a lot of hope, work environments can be a little bit overwhelming at times.
Don't freak out
02-28-2013 10:29 AM
I called and did just that. The girl I originally spoke to told me the supervisor sends out the e-mails...which she did tell me earlier as well. I played it off like I just wanted to confirm that my e-mail address was right because I hadn't seen anything yet. She said the supervisor works until 7:00 so if I hadn't seen something by 7:15 to call first thing in the AM.
Will getting 2 old-ish medical collections deleted boost my score at all?
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.