topic Re: What should I do now? in Rebuilding Your Credit

What should I do now?

Anonymous — Tue, 29 Mar 2011 18:15:01 GMT

I don't know what to do? I have paid couple bills to original creditors but now how can I remove collection agencies off my report? Who should I contact? Please provide me with any information that you might have.

Re: What should I do now?

mrfulloluv — Tue, 29 Mar 2011 18:28:09 GMT

Hello-

First and Foremost the CA have the legal right to remain reporting this deliq. 7-7.5 yeards from DOFD. (Even if you paid the OC)

My hopes is that you obtained a deletion request or PFD once you PAID the OC, otherwise this task of deleting this will be a bit more challenging.

I'm no expert but I would reccomend a few things, since the account appears to be PIF:

GW the OC, and have them have the CA pull the debt out of Collections (Try and see if they will delete the TL from both parties as well)
If they refuse step above, write the CA a DV letter (This will force them to validate the debt status, and at least update as PAID status)
If this still doesn't work, dispute the CA account, and force the CRA to update their reporting
Once, you get both accounts reporting consistently, locate GW e-mail or snail mail addresses and GW the HECK out of both the OC and the CA!!!

With all the steps outlines, PLEASE GET EVERYTHING IN WRITING, and try to avoid any phone comm. with the CA!!!

If you play this correctly, you may or may not be able to get a deletion of both accounts, however you can at minimum get both accounts from CA and OC to show as PAID. Which isn't great and doesn't help your score, but its better than UNPAID status.

Hope this helps and answers the questions you were seeking.

Re: What should I do now?

llecs — Tue, 29 Mar 2011 19:48:16 GMT

@mrfulloluv wrote:
I'm no expert but I would reccomend a few things, since the account appears to be PIF:

If they refuse step above, write the CA a DV letter (This will force them to validate the debt status, and at least update as PAID status)
If this still doesn't work, dispute the CA account, and force the CRA to update their reporting
Assumption here, and certainly OP should clarify if I'm wrong, but I think the collection was paid and reports as such. I think OP wanted to know how to remove a paid baddie. In this case DVing is out since it is paid and dispute wouldn't have any merit because it is reporting accurately. Assuming for a sec that it is mis-reporting a balance when paid. Even then, a dispute could make it that much harder to remove via a GW.

Re: What should I do now?

Anonymous — Tue, 29 Mar 2011 22:34:35 GMT

Since they are paid, and reporting accurately, I would try to send GW letters.