Re: PAY FOR DELETE WORKS!!! +94

Epcot · ‎12-20-2012

Wow, that's great. Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841

ashtray7 · ‎01-08-2013

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.

raisinitup · ‎01-08-2013

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

mf91745 · ‎01-10-2013

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....)

Shogun · ‎01-10-2013

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+
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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.

BetterOffPaid · ‎01-10-2013

That's a massive jump. Congrats!!

mf91745 · ‎01-10-2013

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

Thanks! Good to know!

jordanmedical · ‎01-10-2013

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
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Queeniam · ‎01-13-2013

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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PAY FOR DELETE WORKS!!! +94

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