ONLINE Collections Success!

[alvon123]

congrats

[Shellie]

Got my letter. They say they will update it as paid. No luck for me

[joeyoey]

I got the same letter back.  Give it a few weeks & then try GW again.  Be as sincere & apologetic as possible (for letting it go to collections) & play up that you're trying to rebuild your credit by correcting old mistakes.  The second time I did this with them I got a letetr back saying they would delete from all the bureaus & they did.

[Erusidhion]

Great success story! I think allowing it to report as PAID on your credit report was a good decision, to the poster a few above this one. I believe they are more willing to remove a tradeline when it has already been reported. I GW'd AFNI right after I paid my collections and got the general response back:

Afni thanks you for your payment. Accordingly, in the normal course of business, Afni will report that that we have received payment in full of your account, and will report a $0 balance.  This will reflect the accurate status of this account.  We understand that you are seeking removal of this tradeline from your credit report; however, to remain in good standing with the credit reporting agencies, Afni’s policy is to furnish the accurate status only.

Granted I didn't send an attachment with my PIF letters that I could print from their website so that may have been a small factor in their decision. I am going to wait until it reports as PAID from now on for any collection I do pay without PFD before I even try to GW them.

[Shellie]

It was already being reported correctly as paid. So for my objective it was not successful.

[Tsuyoi]

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@Shellie wrote:
It was already being reported correctly as paid. So for my objective it was not successful.

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I would continue to try.  It may have something to do with how long the collection has been settled.

[Shellie]

I have the grounds to file a complaint but we recently moved and I've missed placed one of my necessary documents so I haven't filed yet.  I just thought I would give the GW a try.  I will probably try again.

[Anonymous]

Hi Tsuyoi

I read your story that you successfully remove collection report for Online collections. I also got 2 collection from them on all 3 bureau on last week. I started mortgage shopping and now this hurts me a lot. I called them and pay the collection. Can you please share with me the email and contact info, where i can send GW letter to Online Collections.

Thanks