Valued Contributor
Posts: 2,669
Registered: ‎04-25-2011
Re: Collection agencies seem easy to remove

Jaade wrote:
I don't always remember to specify , but my initial response definitely was meant to apply to debts which are contracted, not sold. And I agree, most of those OCs would lose their minds if they knew CAs were deleting debts. They want that mark on your credit as long as possible. They don't want to be seen as soft - they want you to pay future bills to them before it goes to a CA. They don't want to lose any money to a CA that isn't necessary.

And there are ABSOLUTELY corrupt agencies. I left the one I worked for in Houston, TX because I didn't want to be associated with that type of crap, much less end up named in a lawsuit because of the practices others at the agency engaged in.

Okay. So after 3 hours and 1500 words, we esseintially have the exact same opinion Smiley Happy hehe



Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX