I have 3 baddies on my report (small medical collections, paid in 2014) all through the same company. Is it best to call/email/snailmail a request for goodwill removal? Until I found this board a few weeks ago, I didn't realize you could negotiate removal for payment.
They were embarrassing low amounts that I just didn't realize were open. How often will a company even remove 3 baddies?
I did, back in 2014 when I got them. They'll be on my reports for a few years still, so I'd like to ask for a goodwill removal.
I'm going through the same process with DW's four paid to $0 medical collections. Step 1 was to send a gw letter to CA. That was done Feb 4th via normal snail mail, and no response yet. Not a surprise. Step 2 through Step N, will be to follow the steps in the write-up done by Cynthia Hoover on September 24, 2016 on ToughNickel. We already have 4 letters (this time, one for each collection) ready to go, and will be sending via certified mail. Cynthia recommends 30 days between correspondence so will be mailed on Monday.
Google the phrases I put in italics and the article will be first in the search result.