OMG I think i was dooped...

[swtneka]

I did a PFD on a medical account that recently popped up on our CR cuz of a mortgage inquiry. Anyway when I was talking to the guy I told him that I would pay the account if he would delete it off our credit file. He agrees. I tell him I need this in writing he tells me he is going to send it to me by email. I got the email while I was on the phone and couldn't open it cuz it was sent in windows format and don't have windows on my lap top. So I pay the bill 293 and then he tells me that there is a charge of 8.00 dollars to delete off of all CR now I have never heard of this but I want this gone so I pay it. It was a total of 301.00.   He sends me the bill and tells me that I can expect the deletion off my reports in 30-60 days. I was finally able to open the file that he first sent me and it was just a detail report of his collection. I feel so stupid now and I am sure he wont delete it. He says he is going to mail a letter saying that they deleted it but again I am sure I got dooped.

Has anyone ever been charged a fee to delete? Im thinking that its a charge for using a debit card and he just was playing me. The reciept he sent doesnt say what the additional charge was for. It just shows a charge of 301.00

[swtneka]

I did a PFD on a medical account that recently popped up on our CR cuz of a mortgage inquiry. Anyway when I was talking to the guy I told him that I would pay the account if he would delete it off our credit file. He agrees. I tell him I need this in writing he tells me he is going to send it to me by email. I got the email while I was on the phone and couldn't open it cuz it was sent in windows format and don't have windows on my lap top. So I pay the bill 293 and then he tells me that there is a charge of 8.00 dollars to delete off of all CR now I have never heard of this but I want this gone so I pay it. It was a total of 301.00.   He sends me the bill and tells me that I can expect the deletion off my reports in 30-60 days. I was finally able to open the file that he first sent me and it was just a detail report of his collection. I feel so stupid now and I am sure he wont delete it. He says he is going to mail a letter saying that they deleted it but again I am sure I got dooped.

Has anyone ever been charged a fee to delete? Im thinking that its a charge for using a debit card and he just was playing me. The reciept he sent doesnt say what the additional charge was for. It just shows a charge of 301.00

[InvincibleSummer3]

It's relatively rare to get a PFD in writing; I've had situations similar to yours and the CA followed through. If I could get a collection gone for $8 I would jump at that opportunity, believe me.

You don't know that they won't delete. Give it time. Wait out the 30-60 days, and then see where you are. Rebuilding is a marathon, not a sprint. Hang in there.

[swtneka]

Thanks summer i plan to w8 it out for as long as i can....

[CashOnDelivery]

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@InvincibleSummer3 wrote:

It's relatively rare to get a PFD in writing; I've had situations similar to yours and the CA followed through. If I could get a collection gone for $8 I would jump at that opportunity, believe me.

You don't know that they won't delete. Give it time. Wait out the 30-60 days, and then see where you are. Rebuilding is a marathon, not a sprint. Hang in there.

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+1 Some CA's update their data 1-2 times a month. I did a PFD last month and it took about month for it to update on my CR.

[enharu]

In the meantime, you could call once or twice just to make sure they're deleting it.

It does take time though. When Chase agreed to remove 1 of the inquiries from my CR, it took about 6 weeks for the inquiry to be taken off my CR. I know an inquiry is entirely different from a collection record, but what I'm trying to say is just wait it out. 

[swtneka]

Thanks yall i will w8 it out.  FX