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PAY FOR DELETE WORKS!!! +94

Valued Contributor

Re: PAY FOR DELETE WORKS!!! +94

Wow, that's great. Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 11 of 19
New Member

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.

Message 12 of 19
Regular Contributor

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
Each One - Teach One
Message 13 of 19
Established Member

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....)

Message 14 of 19
Moderator Emeritus

Re: PAY FOR DELETE WORKS!!! +94

A CA can delete their TL from your CR.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 15 of 19

Re: PAY FOR DELETE WORKS!!! +94

That's a massive jump. Congrats!!

Message 16 of 19
Established Member

Re: PAY FOR DELETE WORKS!!! +94

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

 

Thanks! Good to know!

 
Message 17 of 19
Established Contributor

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)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 18 of 19
Highlighted
Established Member

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


Starting Score: 569
Current Score: 601
Goal Score: 725




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Message 19 of 19