topic Re: PFD HELP collection not deleted... in Rebuilding Your Credit

PFD HELP collection not deleted...

Anonymous — Tue, 17 Jul 2012 20:12:36 GMT

O.K whats my next step? is there a letter to send these creditors? I recently paid 3 collections to same CA with PFD method. its been 2 weeks the CA send it should of be off by friday witch was last friday. do i keep waiting or do i send them a letter stating that they have not met there side of the deal. i have it in writting that they will delete. is there a ltter out there that might be able to send to CA.

Does anyone know after the 3 collections deleted how much my fico will go up i only have one more collection on report but its about to reach SOL so im noit messing with it. the 3 collections are from 2011?

Re: PFD HELP collection not deleted...

Anonymous — Wed, 18 Jul 2012 05:06:31 GMT

OP it seems to me the CA has notified the 3 CRA to remove the derogatory information from your report. It can take time up for the CRA to update the information on your report. My best advice is to allow a little more time before taking additional action. You could send a letter to the CA reminding them of the agreement. I don't know of any pre-written letters on the forum. There is no way to tell how much your score will change after the derogs are gone.

Re: PFD HELP collection not deleted...

apandabear — Wed, 18 Jul 2012 12:25:50 GMT

It takes time to have these deleted from the credit report.

I received a letter in writing on 6/21 stating a collection would be removed from all 3. One was removed yesterday (Equifax), and it's the only one so far.

It could take 30-45 days. I know that can be agonizing... But the hard work is done. This is the easy part now!

Re: PFD HELP collection not deleted...

RobertEG — Wed, 18 Jul 2012 20:29:33 GMT

If they dont delete and you have their promise in writing, a simple filing of a civil action for breach of contract should take care of it.

I would, however, give at least 30 days before taking that route.