Help with Pin Cred Ser I'm new and don't know how to fix this!!!!!!

[Anonymous]

I'm trying to clean my Credit but I dont know what this means as I keep getting two different reports. The first one drop off from Verizon and was picked up by Pinnacle and they are still reporting on it. I read that after 7.5 years it would be dropped off. The Verizon one doesnt appear in my Credit Report only the Pin Cred. Please help!!!!!

Account Details

Last Reported

The date on which the account information was last updated.

Aug 31, 2013

Creditor Name

VZW NE

Account Type

Telecommunications / Cellular

Account Status

Closed - Derogatory

Opened Date

Jun 18, 2008

Closed Date

Jan 31, 2012

Limit

--

Term

--

Monthly Payment

$0

Responsibility

Individual

Balance

$420

Highest Balance

$420

Payment Status

Collection/Charge-Off

Worst Payment Status

Unknown

Date of Last Payment

--

Amount Past Due

$420

Times 30/60/90 Days Late

0/0/0

Remarks

Collection Account
Placed for collection

Account Details

Last Reported

Oct 24, 2015

Collection Agency

PIN CRED SER

Original Creditor

12 VERIZON WIRELESS

Status

Open

Opened Date

Feb 18, 2014

Closed Date

--

Responsibility

Individual

Balance

$420

High Balance

$420

Remarks

Placed for collection

[Anonymous]

According to the information in your post the account was opened in June of 2008 and closed January of 2012 the account would not be removed until 7 years after the date of first delinquency.  Did you start your service with Verizon in June of 2008 and did it actually close in 2012 if this is the case then the report is accurate.  If this is not the case then you can dispute it as being inaccurate.  If a balance is still owed you may be able to pay Verison directly and then have them recall the collection back from Pin Cred and have it removed or you could try to get Pin Cred fo do a pay for delete just be sure to get any agreement in writing. 

[Anonymous]

If I was to contact Pin for PFD what are the actual chances of them agreeing to it if I decide to pay in full? Also what kind of letter can I use to succeed in getting it removed. I'm I also removed from the SOL I live in New York

Thanks for you help!!

[Anonymous]

The chances of them agreeing to pay for delete, it's hard to say.  Just search myfico and google for pay for delete or pfd letters you will find one that you can tailor to your situation.  The SOL is not  a concern just remeber you are asking them to do you a favor be polite, contrite and persistent if you don't succeed the first time try again in 60 days or so.  Good luck.

[Anonymous]

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@Anonymous wrote:

If I was to contact Pin for PFD what are the actual chances of them agreeing to it if I decide to pay in full? Also what kind of letter can I use to succeed in getting it removed. I'm I also removed from the SOL I live in New York

Thanks for you help!!

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If you look at the top of this forum, there is a 'helpful rebuilding thread' that is a sticky.

One of the topics listed is examples of letters.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Helpful-Rebuilding-Threads/td-p/224981

hth