topic Collector agency question. in Rebuilding Your Credit

Collector agency question.

legacys7 — Sat, 20 Apr 2013 21:29:01 GMT

Hi. Is it possible to have the collection agency to remove a negative report from your credit report? I'm in the midst of getting ready to pay off a debt that I'd got behind on due to being laid off, but wondering if it's possible to make a deal with them?

Re: Collector agency question.

simi_go — Sat, 20 Apr 2013 22:27:20 GMT

Yes its called pay for delete and its all over this forum.

Re: Collector agency question.

legacys7 — Sat, 20 Apr 2013 22:40:39 GMT

I see. I'm a new member so, it's going to take a me second to figure out the navigation on the forums. Do you have an forum links where I can read the examples? Thanks in advance.

Re: Collector agency question.

LIGHTNIN — Sun, 21 Apr 2013 01:02:54 GMT

Hi and Welcome to the forums,

Here's a copy of the PFD Letter. You can find it in the Frequently Requested Threads.

Both of these links can be found in the stickys , at the top of the board.

Re: Collector agency question.

Anonymous — Sun, 21 Apr 2013 01:24:44 GMT

That PFD letter needs to be edited or something. It is too forceful and demanding. A PFD is like a GW and you shouldn't give them demands when you are asking them a favor. It will probably end up in the trash.

Re: Collector agency question.

legacys7 — Sun, 21 Apr 2013 02:03:20 GMT

Thank you for both your reply and the information links. Very informative.

Re: Collector agency question.

legacys7 — Tue, 23 Apr 2013 01:03:48 GMT

I'd called one of the businesses that I owe a bill. Looks like it was for an x-ray. Anyways, I'd told them that I am willing to pay it and asked if there's something that I can do to get the negative taken off of my report. She replied that she can, but it'll cost an additional 25 bucks. Okay, no problem. I'd asked if I can get this in writing aka agreement. She said yes, but still wanted me to pay first. I told her that I'm willing to pay, but I will need the written agreement first. She tried to run some b.s. on me, stating that they're doing me a favor by taking it off. Long story short, I refused. Looks like I had one with an attitude who really wasn't looking to work with me. So I'm going to try again and hope that she doesn't answer the phone.

Re: Collector agency question.

simi_go — Tue, 23 Apr 2013 01:09:38 GMT

I would definitely try to get it in writing first but sometimes you just have to take them for their word. Try a few different reps and you may get the one that will send the letter first, but many companies just won't put it in writing at all.

Re: Collector agency question.

DaBears — Tue, 23 Apr 2013 01:11:09 GMT

@legacys7 wrote:
I'd called one of the businesses that I owe a bill. Looks like it was for an x-ray. Anyways, I'd told them that I am willing to pay it and asked if there's something that I can do to get the negative taken off of my report. She replied that she can, but it'll cost an additional 25 bucks. Okay, no problem. I'd asked if I can get this in writing aka agreement. She said yes, but still wanted me to pay first. I told her that I'm willing to pay, but I will need the written agreement first. She tried to run some b.s. on me, stating that they're doing me a favor by taking it off. Long story short, I refused. Looks like I had one with an attitude who really wasn't looking to work with me. So I'm going to try again and hope that she doesn't answer the phone.

That's a big no no. Collection Agency have an agreement with the CRA's They send a simple UDF (Universal Data Form ) electronically to have it deleted.

Re: Collector agency question.

legacys7 — Tue, 23 Apr 2013 01:59:40 GMT

I have no doubts that it's illegal. Hence her refusing to send the agreement in writing. In so many words, she wasn't down for doing it. She just told me what I wanted to hear so that I'd pay the bill. Not going to happen.

Re: Collector agency question.

legacys7 — Tue, 23 Apr 2013 02:02:01 GMT

@ Simi. She told me that she would send it in writing. But only after I send the money. I can't gamble like that. She may just get what they need and deny that we had this conversation. ESPECIALLY if asking for an additional fee is against the law.

Re: Collector agency question.

shanac — Tue, 23 Apr 2013 02:08:36 GMT

Ask them to send you confirmation of PFD via email while you're on the phone with them. That's what I did. I didn't have to use the letter because they honored our arrangement & removed collection from my reports within 21 days.

Re: Collector agency question.

legacys7 — Wed, 24 Apr 2013 02:03:18 GMT

@Shanac. I'd requested an email for the deletion on my report, but they won't do it before a payment. The second person that Id spoken to, too sure was anxious to get an on the phone payment. I'd kept telling her that I'll send it via email. So I'd asked if that is the only bill. She said yes. I smell something fishy.

Re: Collector agency question.

simi_go — Wed, 24 Apr 2013 02:10:05 GMT

Don't know what state you are in but check into the laws of recording calls. Worst case scenario all you have to do is tell them that the call is being recorded. Then download an app if you have a smart phone or just use it on speaker and record the conversation. That should work. Unless they won't consent to the recording if you have to tell them about it.

Re: Collector agency question.

shanac — Wed, 24 Apr 2013 03:01:33 GMT

To be honest, I don't think I got the email BEFORE I gave my payment info. The boss was drafting the email while I was on the phone with the rep submitting my credit card info. The rep then told me when her boss pressed send & true to their word it was in my inbox. Worst case scenario is maybe you can cancel payment (based on misrepresentation?) if after you give payment info they refuse to send an email??