I was going to post this same scenario early. I had PSNC on my report waiting to be sent to collections. I wrote BBB and CFPB and challenged it I even emailed the CEO. After doing all that the CEO email me back and said they were looking into it. One of his representatives called me Wednesday and said if it is paid in full we will remove it from your credit file. I verbally agreed. I paid in full on thursday then I called PSNC and got connected to their credit department. The young lady seen the notes on my account and told me that they usually send in updates to equifax on friday but give it a week. This morning, I woke up to an alert, thinking to myself hell yea this must be it. Logged in just to see that it was paid, close and 53 points drop. I instantly called PSNC with attitude I must admit. The lady on the phone I explained everything to and her robotic response were Mr ****** we don't delete but mark the account as paid and close. Finally, I said Sweetheart, look at the notes on my account do you not see one ot the head of the company that I have spoken to(as if I was a big name or something lol) she said hold on sir let me get you to the credit department. No problem I've be here waiting. She comes back five mins later and let me know that management is sending in the request electronically to be deleted. Now, I'll check all this week to see if it comes off. So, my advice would be to talk to one of the higher ups and explain your story. Its no such thing as "we can only show it as close and paid" They have the power to have it deleted. if you want contact the BBB and complain that would usually get the ball rolling and deleted. hope this helps.
