No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Been there. They (CA's) are usually pretty truthful with you (at least in my experience) when they say they will delete. If they don't typically delete, then they will tell you that they don't. I would say pay it and then give it 30 days to fall off your cr's. If it doesn't, then I would GW the heck out of them - none stop until they delete.
Oh, even though it holds no legal weight whatsoever, I would still enclose the payment with a cover letter that says, "Pursuant to my telephone conversation on (date) with (name - or - your customer service representative), please find enclosed a check in the amount of $____. This payment is to pay the above referenced account IN FULL. In exchange for this full payment, I was informed that your company will immediately and entirely delete the collection tradeline from all three of my credit reports."
Good luck.
Also agree. I only had a verbal argreement with one CA, and they deleted,.
Recording is only legally useful if the CA is harrassing you or calling you names, etc. The CA is under no legal obligation to remove your derogatory information from your CR. You would be hard pressed to find a judge that would be sympathetic to your case.
The only use that the recording of the call might have is that you may get lucky and get a person at the CA on the phone that does not know that you have no strong legal recourse with the recording and therefore be more inclined to make sure the deletion happens. So, that being said, it couldn't hurt.
Building a legal case in anticipation of their not deleting would be helpful should you ultimately bring legal action.
Few consumers are willing to take it to that extreme... attempting to enforce an oral agreement.
If they suspect you are doing so, they might just pull the whole deal off the table. They are extending you good will.
Sometimes you just have to take a risk. I think the potential rewards are worth it.
@tipofthespork wrote:
Thanks for the input. Here's my scenario, I,think I'm going to have to bring legal action against 1 creditor: Pioneer military loans, $3375 DOFD was 4/2006. Charge off 9/2006. So drop off date was roughly 3/2014. Then in 9/2009 they made it appear that I had brought the account into good standing (I didn't. Last payment I made was 3/2006.) 10/2009 they beging to show the account past due again. New charge off date 4/2010. Making drop off date 10/2017. Same thing happened 6/2011 and now drop off date sats 1/2019. I've been gathering recorded messages where they all but admit doing this. They explanation was they wanted to give me a chance to fix my history With them. Last time I had any contact with them before now was 4/2006. Edit sorry I'm writing on my iPad and it,doesn't register the sentence separation for some reason
Wow! That sounds like an illegal re-aging scam. I will defer to our local expert - RobertEG for this one.