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Rebuilding zone -- need advice on collections and charge offs

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Anonymous
Not applicable

Rebuilding zone -- need advice on collections and charge offs

Hello,

 

My current FICO scores 8

Experian = 594

Equifax = 579

Transunion = 559

 

In May 2020, I paid 2 collection accounts - both settled for less than full balance. I didn't know to ask for pay for delete letter. 

1. Enhanced Recovery 

2. EOS CCA

Can I write the collections agencies and ask for a delete request?

 

I have 1 charge off account with AXCSSFN, says sold to national management recovery corp for $5,000. Which is the best way to settle this account?

 

Any advice is greatly appreciated. 

Message 1 of 3
2 REPLIES 2
FireMedic1
Community Leader
Mega Contributor

Re: Rebuilding zone -- need advice on collections and charge offs


@Anonymous wrote:

Hello,

 

My current FICO scores 8

Experian = 594

Equifax = 579

Transunion = 559

 

In May 2020, I paid 2 collection accounts - both settled for less than full balance. I didn't know to ask for pay for delete letter. 

1. Enhanced Recovery 

2. EOS CCA

Can I write the collections agencies and ask for a delete request?

 

I have 1 charge off account with AXCSSFN, says sold to national management recovery corp for $5,000. Which is the best way to settle this account?

 

Any advice is greatly appreciated. 


Since they are already paid. Its harder now to get a PFD. You can call and ask though. But they arent known to do favors. Never heard of NMC. Call and say you'll go for a payoff of 30%. See how they play lets make a deal.


Message 2 of 3
Anonymous
Not applicable

Re: Rebuilding zone -- need advice on collections and charge offs

Thank you for the speedy response 

Message 3 of 3
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