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Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: PAY FOR DELETE WORKS!!! +94

Wow, that's great. Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
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New Member
Posts: 3
Registered: ‎05-21-2008
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Re: PAY FOR DELETE WORKS!!! +94

I agree that CAs would make boatloads on PFDs, but I read elsewhere that some CAs are contractually obligated with the CRAs not to remove collection accounts. CRAs apparently fear that removing paid collections would compromise the integrity of their reports to credit grantors, who would then not trust the reports and not buy them. And that would cut into the CRAs' bottom lines. Anyone else have any thoughts on whether this is true or not? Thanks.

Regular Contributor
Posts: 224
Registered: ‎12-11-2012
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Re: PAY FOR DELETE WORKS!!! +94

Which 2 CA were you dealing with - I'm trying to work with Medical Business Bureau right now and hoping they will do the same.

12/11/12 Starting Score EQ FICO - 583/ TU FICO - 615/
4/1/13 - Lender Pull - TU - 645 EQ - 675 EX 712
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Established Member
Posts: 30
Registered: ‎09-13-2011
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Re: PAY FOR DELETE WORKS!!! +94

I'm a bit confused. I thought CA's do not have the authority to delete? Only the OC's do? Am I mistaken? (Could be -- I'm new to this whole thing....)

Moderator
Posts: 12,952
Registered: ‎04-15-2011
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Re: PAY FOR DELETE WORKS!!! +94

A CA can delete their TL from your CR.


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Member
Posts: 8
Registered: ‎12-30-2012
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Re: PAY FOR DELETE WORKS!!! +94

That's a massive jump. Congrats!!

Established Member
Posts: 30
Registered: ‎09-13-2011
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Re: PAY FOR DELETE WORKS!!! +94

Shogun: A CA can delete their TL from your CR.

 

Thanks! Good to know!

 
Established Contributor
Posts: 1,011
Registered: ‎04-08-2012
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Re: PAY FOR DELETE WORKS!!! +94

BIG CONGRATS!

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
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Established Member
Posts: 18
Registered: ‎03-29-2012
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Re: PAY FOR DELETE WORKS!!! +94

Hi all, I have a few questions. When you called you asked to pay the balance in  full for a PFD or did u offer a settlement?  Did you sent in a letter?

 

thanks


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