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I had a $125 collection that I paid awhile ago and the dozen CA reps that I spoke with sais they do not delete. After doing some research, I found the CEO of the CA's email address. After emailing him every week for the last 6 weeks, I finally get this response!
In response to your email below; please see attached letter. Our office will be notifying Equifax today to remove this from your credit file. However, once the request is sent to Equifax it could take 24 – 48 hours to be completely removed from your credit file.
WOOHOO!! I'm so excited!!! Here is the letter that I wrote:
Re: Northstate Telephone Account#2124XXXX
Acct: 2124XXXX Amount $125.00
I am writing this letter in order to request your help and understanding. I was not aware that North State Telephone charged me for an entire month of service because I turned my equipment in a week late. The account was sold to your company. I pulled my credit and saw it on my reports. I paid this account the same day as I found out about it. My family and I are currently trying to obtain a mortgage for a home. The account is showing “Paid” but is still showing as the only collection account and hurting my credit score. I only need 50 more points to qualify for the loan. I would like to request that your company have some mercy on me and please make a “Goodwill Adjustment” and remove this account from the credit reporting agencies. Your kind gesture would be sincerely appreciated by my family and me. I would like to thank you in advance for any help you may provide. You may contact me through my address above or email at XXX (would prefer email). Thank you again!
Yours truly,
nice job!!! congrats!!
Nice work, congrats!
If you don't mind me asking, what CA was it?
They can say no 1000 times, but it only takes one yes.
Great news! Persistance pays off! Congrats!
Thanks everyone! I would have never known how to do this without you all! I am forever grateful!
It was First Point Collections, a little rinky dink CA in NC.
This has been removed!! No Fico update yet but I got a 13 point increase on EQ!