04-25-2012 08:45 AM
Hey all, I spoke with a CO company in a small town and he wanted to help me, but couldn't understand how he could delete it off my account. What can I tell or send him to help him out? Thank you.
04-25-2012 09:19 AM
I am actually having the same issue and I think it is sadly hilarious. The only collection I have is a medical collection owend by a small CA in a small town in the mountains here and they were more than happy to delete - but I don't think they know how to delete the account. When they last updated, they had basically removed all of their company information from EQ but nothing from the other two. So, I think she just tried deleting all the information and not the full account.
They even sent me a letter a few days ago saying they would update at the end of this month. I'm not even sure how to approach this one.
04-25-2012 10:39 AM
It takes 30-45 days, and if you dispute it on your credit, you risk disputing the deletion letter they sent as well, I learned this the hard way. Wait 45 days then contact CRA's by phone and see if they have a record of it, then dispute if they don't
04-30-2012 10:58 PM
interesting. Not sure what to tell them, bumping since maybe someone else has experience in how to help you. Good luck.
05-01-2012 10:05 AM
Assuming that the creditor is using the Metro2 format, here are the instructions:
"To delete an entire account, report Account Status Code DA (Field 17A). All borrowers will be deleted along with the account history"
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