topic Re: Collections accounts in Rebuilding Your Credit

Collections accounts

Anonymous — Sat, 13 Jun 2015 04:27:12 GMT

How can I get two old collection accounts from ARS CREDIT SOLUTIONS For 111 dollars and 63 dollars. Obviously paying it isn't a problem but I want them to delete the accounts from my credit. Any ideas? Tips? Also I had a chap 7 do in 2007 and it's off Experian and equifax but not transunion. I have sent letter after letter, even notarized letters and transuion will not budge. Any ideas?

Thanks all

Re: Collections accounts

Anonymous — Sat, 13 Jun 2015 16:54:04 GMT

I just got rid of an ARS collection.

When I called to pay it, THEY offered to remove it before I could even ask. I paid, emailed them a statement saying I would not cancel or stop the payment. Within a couple of weeks it was gone off all 3 bureaus.

Re: Collections accounts

gdale6 — Sat, 13 Jun 2015 19:35:05 GMT

@Creditman03 wrote:
How can I get two old collection accounts from ARS CREDIT SOLUTIONS For 111 dollars and 63 dollars. Obviously paying it isn't a problem but I want them to delete the accounts from my credit. Any ideas? Tips? Also I had a chap 7 do in 2007 and it's off Experian and equifax but not transunion. I have sent letter after letter, even notarized letters and transuion will not budge. Any ideas?

Thanks all

Try the PFD on the collections. A BK7 can remain on file for up to 10 years post filing. If it was dismissed they may drop it at the 7 year mark but they dont have to.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Q-amp-A-Examples-and-PFD-Success-Stories/td-p/2031275

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Example-Letter/td-p/4519

Re: Collections accounts

Anonymous — Sun, 14 Jun 2015 03:34:08 GMT

@Anonymous wrote:
I just got rid of an ARS collection.

When I called to pay it, THEY offered to remove it before I could even ask. I paid, emailed them a statement saying I would not cancel or stop the payment. Within a couple of weeks it was gone off all 3 bureaus.

Did they send you a letter stating they would remove it from your credit? These two accounts have only ever reported to Experian.

Re: Collections accounts

Anonymous — Sun, 14 Jun 2015 03:59:54 GMT

@Creditman03 wrote:
@Anonymous wrote:
I just got rid of an ARS collection.

When I called to pay it, THEY offered to remove it before I could even ask. I paid, emailed them a statement saying I would not cancel or stop the payment. Within a couple of weeks it was gone off all 3 bureaus.
Did they send you a letter stating they would remove it from your credit? These two accounts have only ever reported to Experian.

I had to email first (after I paid) and promise not to cancel the payment at anytime and that I wanted it removed from my reports. They emailed a letter the next day saying that they submitted for removal to all three bureaus.

It was about as pleasant as a debt collection could possibly be.

Re: Collections accounts

Anonymous — Sun, 14 Jun 2015 04:12:40 GMT

I can second that. I had 2 collections with ARS that were about 700 each that I was able to get a PFD this month. I paid in full and emailed someone there like i was instructed and stated I wouldn't stop or cancel payment. Couple days later I was emailed a document on official company letterhead apologizing for any inconvenience and that they submitted to all 3 credit bureaus to be deleted.

About 3 weeks later they were erased from my report.

I wish all CAs were this easy to work with cough cough conserve...

Re: Collections accounts

Anonymous — Sun, 14 Jun 2015 04:18:54 GMT

@Anonymous wrote:
I can second that. I had 2 collections with ARS that were about 700 each that I was able to get a PFD this month. I paid in full and emailed someone there like i was instructed and stated I wouldn't stop or cancel payment. Couple days later I was emailed a document on official company letterhead apologizing for any inconvenience and that they submitted to all 3 credit bureaus to be deleted.

About 3 weeks later they were erased from my report.

I wish all CAs were this easy to work with cough cough conserve...

So you paid first without a guarantee in writing that they would remove it from the credit bureaus? You recommend me just calling and speaking to someone and asking them ?

Re: Collections accounts

Anonymous — Sun, 14 Jun 2015 04:23:48 GMT

I did. A friend from work had recently paid a collection with them and I was skeptical but he vouched for it.

I called them and the CSR brought up the PFD before I even had a chance to.

I still have the letter if you'd like to see it if it will make you feel more at ease.

Oh I also only ended up paying 55% of total balance which was also all on the CSR without me even asking I was prepared to pay everything just to have it deleted.

Re: Collections accounts

Anonymous — Sun, 14 Jun 2015 04:26:17 GMT

@Creditman03 wrote:
@Anonymous wrote:
I can second that. I had 2 collections with ARS that were about 700 each that I was able to get a PFD this month. I paid in full and emailed someone there like i was instructed and stated I wouldn't stop or cancel payment. Couple days later I was emailed a document on official company letterhead apologizing for any inconvenience and that they submitted to all 3 credit bureaus to be deleted.

About 3 weeks later they were erased from my report.

I wish all CAs were this easy to work with cough cough conserve...
So you paid first without a guarantee in writing that they would remove it from the credit bureaus? You recommend me just calling and speaking to someone and asking them ?

By all means, if you feel more comfortable getting it in writing, you could ask for it.

My experience was prior to looking into these forums so I didn't know any better and just had the dumb luck that ARS was so willing to remove it. Since someone else had the same experience, I would say that it might just be standard operating procedure for them.

ARS also offered me a huge discount the first time I called in, but I denied because I didn't remember the bill and came back months later to pay the debt.

Re: Collections accounts

Anonymous — Sun, 14 Jun 2015 04:27:30 GMT

@Anonymous wrote:
I did. A friend from work had recently paid a collection with them and I was skeptical but he vouched for it.

I called them and the CSR brought up the PFD before I even had a chance to.

I still have the letter if you'd like to see it if it will make you feel more at ease.

Oh I also only ended up paying 55% of total balance which was also all on the CSR without me even asking I was prepared to pay everything just to have it deleted.

They offered that to me as well! I was typing it as you posted it.

Seems like discounted balance and removal are their routine.

Re: Collections accounts

Anonymous — Sun, 14 Jun 2015 04:27:34 GMT

@Anonymous wrote:
I did. A friend from work had recently paid a collection with them and I was skeptical but he vouched for it.

I called them and the CSR brought up the PFD before I even had a chance to.

I still have the letter if you'd like to see it if it will make you feel more at ease.

Oh I also only ended up paying 55% of total balance which was also all on the CSR without me even asking I was prepared to pay everything just to have it deleted.

The amounts are 63 dollars and 111. So I'm not even concerned about settling. I would love to see the letter. I will call them on Monday and ask them about it. Thanks

Re: Collections accounts

Anonymous — Sun, 14 Jun 2015 04:28:46 GMT

Wow this is great to hear

Re: Collections accounts

Anonymous — Sun, 14 Jun 2015 04:30:28 GMT

Definitely odd to experience such a pleasant debt collector.