Has anyone successfully had a CONN's account deleted from their credit report. If so, do you have any tips for having the item removed from their credit report.
Thanks in advance for your help
Can you provide details regarding the account, such as the reported derogs and current status, such as still delinquent or paid?
If the OC has sold a debt to a debt collector after charge-off, then you no longer have the option to offer the OC a pay for delete as a means to get their deletion of the reported charge-off.
Does CONN's still own the debt?
If a creditor sells the debt, they are requried to promptly update their reporting to show $0 balance.
What does the current balance show?
If no debt collector has contacted you or reported to a CRA and/of the creditor has not updated the reported balance to $0, then do you have any basis for assuming that the OC has either assigned or sold the debt to a debt collector?