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Should I be worried?

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alphaleo26
New Contributor

Should I be worried?

I recently did a pfd with credit systems international inc for a old med bill for $125. Now they stated that by paying the full amt that they would delete it from all 3 cra. I just checked my free credit karma and it no longer shows a balance on the collection just has paid collection. Now I just paid on the 24th it's only the 28th but should I be worried that they won't do as they agreed and delete the acct or is this standard practice that they update as paid and then delete? I supposedly have a letter on the way saying that they agreed to delete the acct. This is my 1st time dealing with this it was my only neg acct on my CR so I want it gone asap. Anyone deal with a similar situation and know what the outcome may be? Thanks in advance.

Starting Score: EQ:582 (fico) Tu Fico 692 8-23-14 7-5-14 Ex Fico 659

Current Score EQ 717 (fico) 11-18-14 Tu Fico 754 11-17-14 Ex fico 747 11-17-14

Inq's EQ 6 (5 this yr) TU 1 EX 5 ( 2 this yr)

Goal Score: 760+

Secured Wells fargo 300 Secured Discover it 200 Cap one qs1 1500 jcrew 1050 buckle 300
Message 1 of 11
10 REPLIES 10
Shogun
Moderator Emeritus

Re: Should I be worried?

Give it just a little time, I bet they delete.

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 2 of 11
alphaleo26
New Contributor

Re: Should I be worried?

Oh ok i will. I was just worried that they updated as paid but didn't delete. I'll be patient hopefully they'll do their end of the deal. Thanks!

Starting Score: EQ:582 (fico) Tu Fico 692 8-23-14 7-5-14 Ex Fico 659

Current Score EQ 717 (fico) 11-18-14 Tu Fico 754 11-17-14 Ex fico 747 11-17-14

Inq's EQ 6 (5 this yr) TU 1 EX 5 ( 2 this yr)

Goal Score: 760+

Secured Wells fargo 300 Secured Discover it 200 Cap one qs1 1500 jcrew 1050 buckle 300
Message 3 of 11
Shogun
Moderator Emeritus

Re: Should I be worried?

You have it in writing, which means if they don't follow through, it's a breach of contract and you could sue.

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 4 of 11
kittywitty
Contributor

Re: Should I be worried?

if they don't delete then i would challenge the debt and request it to be verified. i bet lexington law could get it deleted.

Message 5 of 11
Shogun
Moderator Emeritus

Re: Should I be worried?


@kittywitty wrote:

if they don't delete then i would challenge the debt and request it to be verified. i bet lexington law could get it deleted.


Lexington Law is not a law firm.  The OP has a valid contract for removal.  If not removed, hire a real attorney and sue them for breach of that contract.

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 6 of 11
alphaleo26
New Contributor

Re: Should I be worried?

This letter came in today..

 

Due to extenuating circumstances, a request is being sent to delete the report issued by out office to the CRA. Although at the time we are requesting a deletion, please understand that our client owns the account. The CRAs have requested that the information be sent electronically. Our updates are scheduled to be sent every seven days. In the meantime, if you require verification that the change is in process, a prospective credit grantor's can fax a verification request to out office at xxx-xxx-xxxx. The request must include signed authorization by any individual for which information is being requested. Please retain a copy of this correspondence in your files.Our control of reports to the CRAs is limited to reporting initiated by our office. 

 

 

So  I guess it should be changed in a few days according to this. Can't wait so I can get my 1st CC. 

Starting Score: EQ:582 (fico) Tu Fico 692 8-23-14 7-5-14 Ex Fico 659

Current Score EQ 717 (fico) 11-18-14 Tu Fico 754 11-17-14 Ex fico 747 11-17-14

Inq's EQ 6 (5 this yr) TU 1 EX 5 ( 2 this yr)

Goal Score: 760+

Secured Wells fargo 300 Secured Discover it 200 Cap one qs1 1500 jcrew 1050 buckle 300
Message 7 of 11
gdale6
Moderator Emeritus

Re: Should I be worried?


@alphaleo26 wrote:

This letter came in today..

 

Due to extenuating circumstances, a request is being sent to delete the report issued by out office to the CRA. Although at the time we are requesting a deletion, please understand that our client owns the account. The CRAs have requested that the information be sent electronically. Our updates are scheduled to be sent every seven days. In the meantime, if you require verification that the change is in process, a prospective credit grantor's can fax a verification request to out office at xxx-xxx-xxxx. The request must include signed authorization by any individual for which information is being requested. Please retain a copy of this correspondence in your files.Our control of reports to the CRAs is limited to reporting initiated by our office. 

 

 

So  I guess it should be changed in a few days according to this. Can't wait so I can get my 1st CC. 


Yes it appears they have followed through with their word at this point, once it gets reported electronically the update will happen 3-5 days out, grats to your success Smiley Happy

Message 8 of 11
alphaleo26
New Contributor

Re: Should I be worried?


@gdale6 wrote:

@alphaleo26 wrote:

This letter came in today..

 

Due to extenuating circumstances, a request is being sent to delete the report issued by out office to the CRA. Although at the time we are requesting a deletion, please understand that our client owns the account. The CRAs have requested that the information be sent electronically. Our updates are scheduled to be sent every seven days. In the meantime, if you require verification that the change is in process, a prospective credit grantor's can fax a verification request to out office at xxx-xxx-xxxx. The request must include signed authorization by any individual for which information is being requested. Please retain a copy of this correspondence in your files.Our control of reports to the CRAs is limited to reporting initiated by our office. 

 

 

So  I guess it should be changed in a few days according to this. Can't wait so I can get my 1st CC. 


Yes it appears they have followed through with their word at this point, once it gets reported electronically the update will happen 3-5 days out, grats to your success Smiley Happy


Thanks look forward to the new fresh start!

Starting Score: EQ:582 (fico) Tu Fico 692 8-23-14 7-5-14 Ex Fico 659

Current Score EQ 717 (fico) 11-18-14 Tu Fico 754 11-17-14 Ex fico 747 11-17-14

Inq's EQ 6 (5 this yr) TU 1 EX 5 ( 2 this yr)

Goal Score: 760+

Secured Wells fargo 300 Secured Discover it 200 Cap one qs1 1500 jcrew 1050 buckle 300
Message 9 of 11
alphaleo26
New Contributor

Re: Should I be worried?

Good news today the collection was DELETED! Sucks I just wasted $13 sending certified letters to dispute on wed lol. Oh well glad I have a clean credit report now Smiley Happy

Also got my 1st cc it's a secured wells fargo card didn't mind since they waive the AF since I'm an employee. Hopefully I can get an idea how much it helps once my scorewatch updates! eq was 590 hopefully it increases a little!!!

Starting Score: EQ:582 (fico) Tu Fico 692 8-23-14 7-5-14 Ex Fico 659

Current Score EQ 717 (fico) 11-18-14 Tu Fico 754 11-17-14 Ex fico 747 11-17-14

Inq's EQ 6 (5 this yr) TU 1 EX 5 ( 2 this yr)

Goal Score: 760+

Secured Wells fargo 300 Secured Discover it 200 Cap one qs1 1500 jcrew 1050 buckle 300
Message 10 of 11
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