OCs almost never remove their accounts. You would need to get First Premier to recall the debt and then negotiate a PFD.
@Anonymous wrote:
@Brian_Earl_Spilner wrote:OCs almost never remove their accounts. You would need to get First Premier to recall the debt and then negotiate a PFD.
It would appear I haven't learned as much I thought because I'm unaware of having an OC recall debt. I will do a little research on that topic. Thank you for your suggestion.
It's simple. Occasionally, an OC will hire a CA to collect resulting in 2 credit report entries for the same derogatory event. In order to remove the CA, you ask the OC to recall the debt in exchange for payment leaving the OC reporting. Very rarely will you get a OC to remove theirs as well.
Another example where this would be used is with medical or utility bills. The OC normally wouldn't report, but the CA would. Asking for recall would remove the blemish as if it never happened.
@GrandBay wrote:@Brian_Earl_Spilner trying to find your Macy's & Nordstrom threads.
Pretty sure you saw the other one because of the R2 luggage
@Brian_Earl_Spilner wrote:
@Anonymous wrote:
@Brian_Earl_Spilner wrote:OCs almost never remove their accounts. You would need to get First Premier to recall the debt and then negotiate a PFD.
It would appear I haven't learned as much I thought because I'm unaware of having an OC recall debt. I will do a little research on that topic. Thank you for your suggestion.It's simple. Occasionally, an OC will hire a CA to collect resulting in 2 credit report entries for the same derogatory event. In order to remove the CA, you ask the OC to recall the debt in exchange for payment leaving the OC reporting. Very rarely will you get a OC to remove theirs as well.
Another example where this would be used is with medical or utility bills. The OC normally wouldn't report, but the CA would. Asking for recall would remove the blemish as if it never happened.
But in this case, True Accord doesn't report anyway, so recalling would help only in the sense that OP would be able to negotiate directly with FP as opposed to going through True Accord.
OP, you can try getting the debt recalled, but if FP refuses, I'd still pay/settle and then try to ask FP for GW removal of the CO.
@OmarGB9 wrote:
@Brian_Earl_Spilner wrote:
@Anonymous wrote:
@Brian_Earl_Spilner wrote:OCs almost never remove their accounts. You would need to get First Premier to recall the debt and then negotiate a PFD.
It would appear I haven't learned as much I thought because I'm unaware of having an OC recall debt. I will do a little research on that topic. Thank you for your suggestion.It's simple. Occasionally, an OC will hire a CA to collect resulting in 2 credit report entries for the same derogatory event. In order to remove the CA, you ask the OC to recall the debt in exchange for payment leaving the OC reporting. Very rarely will you get a OC to remove theirs as well.
Another example where this would be used is with medical or utility bills. The OC normally wouldn't report, but the CA would. Asking for recall would remove the blemish as if it never happened.
But in this case, True Accord doesn't report anyway, so recalling would help only in the sense that OP would be able to negotiate directly with FP as opposed to going through True Accord.
OP, you can try getting the debt recalled, but if FP refuses, I'd still pay/settle and then try to ask FP for GW removal of the CO.
Correct, but the goal is to get a deletion. In order to even attempt negotiating, the debt needs to be recalled. If that fails, then a goodwill request will need to be made.
