topic Re: Pay for delete question in Rebuilding Your Credit

Pay for delete question

Anonymous — Fri, 01 Mar 2019 00:29:04 GMT

If I get a deniel from the executive office regarding a pay for delete am I screwed? I’ve sent out letters to try the saturation method but if the head offices say no are my chances already over?

Re: Pay for delete question

FireMedic1 — Fri, 01 Mar 2019 00:45:40 GMT

Welcome. Yes and No. It may land in the hands of someone that will take the time to help you. Or a responce like you got. A recent poster for a better way to put it. They probably got tired of all the GW's they sent and then deleted it. Good Luck!

Who's the creditor?

Re: Pay for delete question

sjt — Mon, 04 Mar 2019 19:11:29 GMT

Who are your requesting a PFD from?

Re: Pay for delete question

Anonymous — Mon, 04 Mar 2019 19:32:09 GMT

Capital one
Discover
Citi bank
Credit one
First premier

Re: Pay for delete question

FireMedic1 — Mon, 04 Mar 2019 19:34:37 GMT

CO is easier than the rest of the group. The big dogs. Well you might be stuck. Wish i had better news. You did read the saturation thread correct?

Re: Pay for delete question

sjt — Mon, 04 Mar 2019 19:55:31 GMT

@Anonymous wrote:
Capital one
Discover
Citi bank
Credit one
First premier

Couple of things:

PFD are pretty impossible to get from the original creditors. They seem to work with collection agencies.
If these debts are still owned by the original creditor chances are they are reporting the CO monthly. This supresses your credit score. So if you are able to settle/pay them then once it updates on your CR you will see a nice bump in your score.
Also, do you know the DOFD of these accounts. If you are out of the SOL then you are in a better position to settle with them. If you are within the SOL there a risk of agressive collection/law suits from these creditors.