@Anonymous wrote:
@Anonymous wrote:
I know no one likes dealing with Collection agencies, but if a collection agency is reporting, you always start with them to PFD, as mentioned above, an original creditor cannot PFD a CA, they can only recall the collection authority (terminate it).
Always start with the collection agency to PFD. If they do not eventually agree to PFD, then you work on the original creditor to terminate/recall the collection authority in exchange for payment.
I attempted recalling a debt with Sprint because the CA would not PFD and they tried to sat they would, but when I made them clarify, it was simply to update as "paid". It can be tricky because they want to get paid and they will try to make a play on words to get the deal sealed.
In your post you stated "to stop reporting" which is what would happen if you paid, it would stop reporting monthly, so they probably agreed to that. Their mistake was saying they would delete it, which they cannot force the CA to delete, only to update, unless they withdraw collection authority.
Isn't the collection authority considered terminated the moment the account is no longer owed? What is CA collection at this point if the debt no longer exists?
Unfortunately, they were given the collection authority before and during the period when the amount was owed. It does not terminate the authority once paid to the original creditor (unfortunately!), but they are instead just notified that the debt has been paid, whereas they update it to "paid". Unless the original creditor cancels the CA's authority to collect on the debt before reporting it was paid, they still can report, even if it is just updated to "paid", and mark it in their books that they no longer need to collect on it.
I wish it worked differently, as it would be so much easier to get rid of collections off credit reports!
The issue is that the original creditor did state that they would delete it, granted after they stated they would update it or 'stop reporting", which is technically not the same as deleting it. I think it was mis-spoken on behalf of the CSR, but they did make a verbal agreement, nonetheless, and I would think it should be upheld.
When I dealt with Sprint, they kept saying "yes" when I ask if it would be deleted and the CA removed from my credit report, but when I asked them to verball state that they would remive the cillection account from my reports, they simply stated, "no, it will be uodated to paid". I have heard to many horror stories of trying to circumvent the CA by paying the OC, that I wanted it perfectly clear from them, and it was as I feared, "no", they would not delete or recall the debt or terminate the collection authority, but rather just update it to "paid". I had to wait until the debt was between CAs to pay it to the OC to ensure their would be no CA on my CRs.
