01-16-2013 08:02 PM - edited 01-16-2013 08:55 PM
So here's the deal:
I have an old collection account from Verizon thats being reported on all three of my credit files. Also, the same Verizon account is being reported by Midland Funding. This account is due to drop off my credit file no later than July 2013. What should be my course of action to get all accounts deleted from my credit reports?
01-17-2013 05:53 AM
Actually, those are both cookies to crack. Good news is they don't have much longer to stay on there, they're really old. You could try a PFD.
01-18-2013 07:37 PM
Offering to pay with contingencies, such as CR deletion, is not a firm offer to pay, and would not reset the SOL on that basis.
If both the OC and a debt collector are reporting, you offer PFD to one, and after the debt is satisfied, request GW deletion from the other.
01-20-2013 09:30 PM
Last year I successfully got Midland to delete and old Verizon account from my CRs. I told them that I had no knowledge of any unpaid balance and had never received notification that my Verizon account was going to collections. After about 5 minutes of back and forth they agreed to a PFD. I paid the agreed upon amount and they removed it from all 3 CRs within 10 days or so.
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.
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.