GW Letter for Apartment Collection...

[MDG099]

I have a apartment collection on my credit report from a year and 6 months ago. I paid it without knowing that I should also send a letter to not have it put on my CR. I have seached the forum looking for a GW letter for an apartment collection, but couldn't find anything. Am I wasting my time trying yo find a letter? The amount was for $920 and I payed it 2 months after I saw it on my credit report. I am paying off all my CC's and trying to raise my score. Any info for me? Thanks in advance!

Oh yes, I forgot to add. They are called Quantum Collections.

Here's the website...

http://www.quantumcollections.com/index.html

*edited*

I was just searching online for an answer and I cam across this link:

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=224956

This guy claims that if i send a letter stating  "to be deleted upon payment per agreement" that the CA cannot pull the account up because it is "purged." Now, my only concern is that I didn't have any kind of agreement with them when I payed off this debt, and also what if the account is not "purged" what kind of fool am I going to look like if I did send them a letter like this? Should I just stick with the good ol' GW letter and hope for the best?

Message Edited by MDG099 on 07-10-2008 07:32 PM

Message Edited by MDG099 on 07-10-2008 07:58 PM

[llecs]

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MDG099 wrote:

I have a apartment collection on my credit report from a year and 6 months ago. I paid it without knowing that I should also send a letter to not have it put on my CR. I have seached the forum looking for a GW letter for an apartment collection, but couldn't find anything. Am I wasting my time trying yo find a letter? The amount was for $920 and I payed it 2 months after I saw it on my credit report. I am paying off all my CC's and trying to raise my score. Any info for me? Thanks in advance!

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Just tell the CA briefly that you paid them (CA) and you want them to delete. Of course add a little filler, but keep it simple. Handle it like any other GW for removal to a CA.

After a few attempts, then try to DV them. But be sure to do the GW first.