How to get collections removed

[gummiebear]

Also i've read a lot of places about how negative items on your credit report only really have an impact on your score for 2 years but I know that is not true. Does anyone else find this to be true or not?

[guiness56]

Did they go delinquent with the OC in 2010?

Have you tried higher managment within the company to send a GW?  Who is the CA?

[gummiebear]

Just thought of something... in the beginning when I started reading stuff in the forums a lot of people would  just keep sending letters to ask them to remove until I guess they caved in. Maybe I should try that. I wish there were not 3 credit bureaus. That's a lot of work to try to fix your stuff. Maybe we should only have 2 credit bureaus. LOL!

[guiness56]

You don't send it to the CRAs you send it to the CA.

[gummiebear]

I know. I was just thinking it would be so much easier if we didn't have 3 CRAs to deal with. The CA is Firstsource advantage. I did talk to the manager there. She's the one who told me about the 'Mom and Pop' companies because I told her I had another company delete an item for me once it was paid. The other is some law firm. The items are both under $150.

[guiness56]

Oh ok.

Mom and Pop agencies are the hardest to get deletions from IMO.

[proudnavymom]

Why is it different in Texas?

[guiness56]

Why is what different in Texas?

[proudnavymom]

I was reading message 9 and it had this statement: 

If you had a judgement entered against you, then it was all over for you at that point.  You'd be paying them somehow (unless you lived in Texas). 

Sorry, I thought by clicking reply on that message it would quote the message I was replying to.

[proudnavymom]

---

@proudnavymom wrote:

I was reading message 9 and it had this statement: 

If you had a judgement entered against you, then it was all over for you at that point.  You'd be paying them somehow (unless you lived in Texas). 

Sorry, I thought by clicking reply on that message it would quote the message I was replying to.

---

Oh, I see what I should have done now