Hi,
Advice please
I have $4k so I can pay off some debt. It’s to pay off $1.6k of credit card debt & the rest is going to a repo collection that I have from 3yrs ago.
For the car repo, I’m not sure who to contact to pay it. Should I call the original lender to do a pay to delete or should I call the collections agency for that?
It shows up on my credit under the original lender & not the collection agency. The agency called me in 2022 twice to get payment & that’s the last I’ve heard from them. I haven’t heard anything since.
So I’m not sure which direction to take to make sure the collection is deleted from my credit profile of all 3 bureaus. I'm trying to by a house soon with my partner 
Any suggestions?
Welcome to the forum... Not meaning to disappoint you but PFDs are much more common with collections than COs (they're different). A paid CO looks slightly better than an unpaid one, but most lenders won't remove the reporting of a charge off/repo. If it's not being reported as a collection by the collection agency, I wouldn't reach out to them as they have no power to remove the CO from your report, and could in fact start reporting the collection separately. I'd reach out to the original creditor to arrange settling the account.
You can certainly ask them if they are willing to delete it but the majority of times they'll say something along the lines of they have to report accurate information, etc... You can continue to send them good will deletion letters but you may just be stuck having to wait for it to drop off at the 7 year mark which will be based on the date the account first went into default that led to the Repo.
