PFD Success with IQ Data International, and GW Success with ERC and a really old Medical Collection

[Anonymous]

I've been working on cleaning up my credit for the past year, I finally got to the point where I was caught up on everything and seeing some real progress in my scores.  I had one active collection regarding an old apartment with IQ Data International.  I called them and offered a pay in full for delete which they agreed to (including written proof by way of an email while I was on the phone) and now I got 2 old accounts to agree to a GW deletion (ERC was paid directly to DirectTv over a year ago, and a $27 midical bill that I paid last  year as well)

Now I'm just waiting for all of these to come off. 

Starting scores were low 500s and Equifax was 491

Current - Experian 649, TU 627, Equifax 606. 

Hoping that removing these 3 accounts will drive my lowest score above 650.

This community has been a blessing!

[gdale6]

Great work, enjoy

[Anonymous]

Did you have luck getting IQ data to remove it from the credit report ? And if yes, did it increase your score. My score was 766 and I did not get a mail or call from IQ data because I had changed addresses and my contact number and I had no idea I owed the amount up until it appeared on my credit report. The amount I owe is $210. My score has fallen really hard. It is now 610 and I am not able to find much information online on how many points people's scores increased by PFD. I also wanted to check if you called them and emailed or if you mailed asking for PFD. I'm also reading horror stories online about them asking for debit card details, SSN over the phone and several people being charged way over the debt. Any advice would be highly appreciated.

[Anonymous]

IQ did as they said they would and deleted the tradeline after I paid it.  I'm extremely impatient so I called and requested the Pay for Delete.  I know they say to get it in writing before you pay, but I took the name of the rep and the manager's name that the rep got it approved through. They promised that as soon as I paid it I would have an email in my inbox within a few minutes outlining that the record would be deleted.  I paid over the phone, and had the letter in my email almost immediately.  I checked the date that they typically report to the CRA's for my account... when that date passed the next month the account was gone from all 3 agencies.  I think they report around the 5th or the 9th.. .not sure... but I paid on the 1st so I only had to wait a few days.

Hope that helps!

[Anonymous]

Thank you so much for the prompt reply! Any idea how much IQ alone increased your score by ? I'm wondering if it will go back to my old score once I get this deleted.

[Anonymous]

I had a couple other collections at the time but it still went up a decent amount.  I would assume yours would go back to what it was, but I don't know for sure