@Anonymous wrote:
Hi everyone,
Since my last posts I have been working on my credit score and my husband's.
My husband had 3 collections on his report that we recently paid.They were settled for less, but we have confirmation from agencies that will report as paid in full, now we will just have to wait and see if that's really the case.
One of the collection was with Sprint,so I paid Sprint directly and said they will remove collection activity.
I am confused about what should I do next, is there a way to remove them completly from his report?
Please advice.
Thank you!
Congratulations on paying those collections. In a "perfect world" as someone here pointed out, getting a "pay for delete" would be ideal. I see no harm in going back to request the deletion; maybe ask for a manager at the beginning of the call. Long shot? I don't know. I would try it, tho'.
If the one CA said they would "remove collection activity", as you noted, I am not sure what they mean; do they mean they will stop any calls or correspondence regarding the debt? I would imagine so, if there was a settlement agreeement. Seeing or hearing something like, "we will remove it from your credit file/s" would be more encouraging.
Without knowing all of your details, here is one potential strategy:
1. go back to CA and politely request deletion; suggestion - emphasis here - you were under the impression of PFD unless they sent you something to the contrary. Ask for manager; thank them for coming off the floor to take the call; compliment the service and immediately make your request.
2. Dispute; this could be tricky. I would not want to dispute only to have the full amount re-appear on my file. Check other boards. There are more people qualified than me that might give better guidance here.
3. Write the CA and use certified mail return receipt requesting the deletion.
In the future, as a matter of policy, always ask for PFD.
Good luck!
