I have few negative closed accounts on my credit file which I am trying to clean up.
Back story: Last fall I got a previous HSBC account which I had paid thru RJM Acquisitions to delete their trade line after multiple letters and e-mail's to HSBC. I basically stated to HSBC that, "hey RJM Acq deleted their trade line here is a letter from them, can you please, please, please delete your trade line." They did.
Now, the current one I am working on is from HSBC. It is PAID thru Portfolio Recovery back in 4/2013. There are two ding's on my credit report, one from PRA and one from HSBC. I am working my hardest to get HSBC to delete first, that way I can go to Portfolio Recovery and say hey HSBC isnt on my account, please delete! PRA are pretty hard to deal with.
One question, should HSBC be reporting it as a "paid collection" on their tade line? It currently says "Charge Off account / Transfer - sold" PRA says Paid Collection.
And----
When will this trade line come off my credit report if I can't get HSBC to delete? 7.5 years from the date of the last payment which was 8/2009? Or 7.5 years from when I paid Portfolio recovery back in 4/2013? I need these negatives off 
@Outdoorstech1 wrote:I have few negative closed accounts on my credit file which I am trying to clean up.
Back story: Last fall I got a previous HSBC account which I had paid thru RJM Acquisitions to delete their trade line after multiple letters and e-mail's to HSBC. I basically stated to HSBC that, "hey RJM Acq deleted their trade line here is a letter from them, can you please, please, please delete your trade line." They did.
Now, the current one I am working on is from HSBC. It is PAID thru Portfolio Recovery back in 4/2013. There are two ding's on my credit report, one from PRA and one from HSBC. I am working my hardest to get HSBC to delete first, that way I can go to Portfolio Recovery and say hey HSBC isnt on my account, please delete! PRA are pretty hard to deal with.
One question, should HSBC be reporting it as a "paid collection" on their tade line? It currently says "Charge Off account / Transfer - sold" PRA says Paid Collection.
And----
When will this trade line come off my credit report if I can't get HSBC to delete? 7.5 years from the date of the last payment which was 8/2009? Or 7.5 years from when I paid Portfolio recovery back in 4/2013? I need these negatives off
The OC can report as a paid CA account or sometimes they say Paid was a Collection, nothing wrong with that. The DoFD sets the timeline for how long something can remain on your report there was a discussion on that whole matter over this week in another thread you started. The CA has to operate from thesame DoFD thats set by the OC.
