Collections VS. Original Creditors

[Rebuild2019]

Started in the middle and went into the fall. There are 3 OC there that occurred in the fall.

[simplegirl]

Well if thats the case they can still report until the fall since that is when you defaulted.

[Rebuild2019]

Ok. It’s Portfolio Recovery Assoc.

Thanks

[simplegirl]

Oh well you can pay them and they will remove it in 30 days even if you settle with them.

[Rebuild2019]

Thanks

[gdale6]

You can also call and ask for the early exclusion on these. 3 months out for EQ and EX, 6 months out from TU. I would still settle them even if they cannot be reported anymore. If they are past states SOL and cannot be reported I would low ball them as a start point.

[Rebuild2019]

I was thinking I should call. It is all well past the SOL here.

Thank you

[Anonymous]

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@gdale6 wrote:

You can also call and ask for the early exclusion on these. 3 months out for EQ and EX, 6 months out from TU. I would still settle them even if they cannot be reported anymore. If they are past states SOL and cannot be reported I would low ball them as a start point.

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EQ is one month and both EQ and EX can make a real big mess of these requests. I would just ask TU since they actually seem to be competent enough to do it. 

[Rebuild2019]

Thank you. I thought EX was not a problem. Thanks for the heads up.

[Anonymous]

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@Rebuild2019 wrote:
Thank you. I thought EX was not a problem. Thanks for the heads up.

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Check our my Ford Motor Credit thread here in this forum to see what kind of a mess can happen when you request EE from EX. Someone actually asked a question in the thread today so it got bumped to first page. Long story short, I believe EX actually reached out to Ford about it, took it off my report, and Ford updated it on EQ the same day which crashed my EQ score and I haven’t been able to get it fixed.