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Doing a PFD with RJM and want to make sure I don't make a mistake.

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nicktheman
Regular Contributor

Doing a PFD with RJM and want to make sure I don't make a mistake.

RJM Acquisitions is working with me to have me pay a collection in full.  I'm a little worried about the wording and want to make sure this will get the collection deleted from all my credit reports.  Here is what they put in writing.

 

"Upon receipt and clearance of $350, this account will be satisfied in full, and, as per your specific request, RJM will REQUEST OUR REPORTING OF THIS ACCOUNT BE DELETED FROM YOUR CREDIT REPORT. "

 

Should I have them send me a new one stating it will be deleted from all 3 of the major credit bureau's or will this cover me and I shouldn't worry?  Thanks for your input!

7/23/2009 eq 650 tu 676
7/13/2009 EQ 642 TU 658
6/15/2009 EQ 631 TU 629 EX 623 (Lender Pulled)
2/8/2009 EQ 609 TU 589
10/7/2007 EQ 498 TU 507
Message 1 of 3
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nicktheman
Regular Contributor

Re: Doing a PFD with RJM and want to make sure I don't make a mistake.

Thats how I feel..They are being very nice and quite sure they are going follow through, but I want to make 100% sure its not going come back a year from now.  I think I will call and see if he can re-word it.  Thanks!
7/23/2009 eq 650 tu 676
7/13/2009 EQ 642 TU 658
6/15/2009 EQ 631 TU 629 EX 623 (Lender Pulled)
2/8/2009 EQ 609 TU 589
10/7/2007 EQ 498 TU 507
Message 3 of 3
2 REPLIES 2
BungalowMo
Senior Contributor

Re: Doing a PFD with RJM and want to make sure I don't make a mistake.


@nicktheman wrote:

RJM Acquisitions is working with me to have me pay a collection in full.  I'm a little worried about the wording and want to make sure this will get the collection deleted from all my credit reports.  Here is what they put in writing.

 

"Upon receipt and clearance of $350, this account will be satisfied in full, and, as per your specific request, RJM will REQUEST OUR REPORTING OF THIS ACCOUNT BE DELETED FROM YOUR CREDIT REPORT. "

 

Should I have them send me a new one stating it will be deleted from all 3 of the major credit bureau's or will this cover me and I shouldn't worry?  Thanks for your input!


Personally, I'd like to see that statement something like this: RJM will insist on all derogatory information associated with this collection be fully deleted from all 3 CRA's...bla bla. 

 

I'm just not feelin' comfy with the term "request", ya know?  Somewhere in there someone can say "request denied".

BK 7 discharge 06.24.2020 No Fico score at all. Smiley Sad
Message 2 of 3
nicktheman
Regular Contributor

Re: Doing a PFD with RJM and want to make sure I don't make a mistake.

Thats how I feel..They are being very nice and quite sure they are going follow through, but I want to make 100% sure its not going come back a year from now.  I think I will call and see if he can re-word it.  Thanks!
7/23/2009 eq 650 tu 676
7/13/2009 EQ 642 TU 658
6/15/2009 EQ 631 TU 629 EX 623 (Lender Pulled)
2/8/2009 EQ 609 TU 589
10/7/2007 EQ 498 TU 507
Message 3 of 3
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