I entered a consolidation company that told me not to converse with the cc companies
So my payment history is horrible though the balances are paid off.
ALL of my account are STILL on my report as "paid collections". What is a PDF ? How do I go
About getting them deleted? Who do I contact? I am SO confused! Thank you so much for writing back!
I thought once I paid everything off my credit would improve... And that
Is just not happening
So my payment history is horrible though the balances are paid off.
ALL of my account are STILL on my report as "paid collections". What is a PDF ? How do I go
About getting them deleted? Who do I contact? I am SO confused! Thank you so much for writing back!
I thought once I paid everything off my credit would improve... And that
Is just not happening
@LIGHTNIN wrote:a PFD letter is for unpaid collections,an agreement to pay in exchange for a delete.
But this is not what you need, You need to contact the CA's that are paid and ask for a delete.
One way to do this is call by phone or send a GW (good will) letter by u.s.mail or email.
Here's a copy of a G W Letter
To the OP, what Lightnin wrote above, works more often than not. I am in the process of doing the same thing you are (asking the collection agencies to delete old accounts once paid) and they are surprisingly cooperative. What I did: Pay the collection with a check, and then dispute it online with a credit monitoring service. In the comments section of the online dispute, I write "Paid in full, request to be deleted approved by (NAME OF PERSON AT COLLECTION AGENCY YOU SPOKE WITH). Please delete per conversation dated 11/11/1111. Submit. I have done this now 3 times, and it has worked each and every time. Just make sure you get a solid verbal agreement and in writing too if you can. Try to get supervisors on the phone at the debt collector's...they aren't as bitter and angry as the regular CSR's. Hope this helps. You can do it! 
@lpayton wrote:
@LIGHTNIN wrote:a PFD letter is for unpaid collections,an agreement to pay in exchange for a delete.
But this is not what you need, You need to contact the CA's that are paid and ask for a delete.
One way to do this is call by phone or send a GW (good will) letter by u.s.mail or email.
Here's a copy of a G W Letter
To the OP, what Lightnin wrote above, works more often than not. I am in the process of doing the same thing you are (asking the collection agencies to delete old accounts once paid) and they are surprisingly cooperative. What I did: Pay the collection with a check, and then dispute it online with a credit monitoring service. In the comments section of the online dispute, I write "Paid in full, request to be deleted approved by (NAME OF PERSON AT COLLECTION AGENCY YOU SPOKE WITH). Please delete per conversation dated 11/11/1111. Submit. I have done this now 3 times, and it has worked each and every time. Just make sure you get a solid verbal agreement and in writing too if you can. Try to get supervisors on the phone at the debt collector's...they aren't as bitter and angry as the regular CSR's. Hope this helps. You can do it!
Wow - great job - but I wouldn't recommend this to anyone going into a mortgage. A dispute comment will stop it in it's tracks. If you have some time (like months) before you are going to apply for a mortgage, then it might be a suggestion to consider. If you don't have the time to wait, or don't want to wait, then do not dispute anything.
@Booner72 wrote:
@lpayton wrote:
@LIGHTNIN wrote:a PFD letter is for unpaid collections,an agreement to pay in exchange for a delete.
But this is not what you need, You need to contact the CA's that are paid and ask for a delete.
One way to do this is call by phone or send a GW (good will) letter by u.s.mail or email.
Here's a copy of a G W Letter
To the OP, what Lightnin wrote above, works more often than not. I am in the process of doing the same thing you are (asking the collection agencies to delete old accounts once paid) and they are surprisingly cooperative. What I did: Pay the collection with a check, and then dispute it online with a credit monitoring service. In the comments section of the online dispute, I write "Paid in full, request to be deleted approved by (NAME OF PERSON AT COLLECTION AGENCY YOU SPOKE WITH). Please delete per conversation dated 11/11/1111. Submit. I have done this now 3 times, and it has worked each and every time. Just make sure you get a solid verbal agreement and in writing too if you can. Try to get supervisors on the phone at the debt collector's...they aren't as bitter and angry as the regular CSR's. Hope this helps. You can do it!
Wow - great job - but I wouldn't recommend this to anyone going into a mortgage. A dispute comment will stop it in it's tracks. If you have some time (like months) before you are going to apply for a mortgage, then it might be a suggestion to consider. If you don't have the time to wait, or don't want to wait, then do not dispute anything.
thats the problem, he needs them removed before he can qualify for the mortgage (unless i misunderstood the question, which is very possible)..but good to know that, I didnt know disputes stop mortgages! Yikes!