Tate & Kirlin Associates

[Maldanado]

I called in to this CA to settle an account when I was told that another account of mine was there. This account being a First Premier credit card charge off for $436. They told me that they would accept 40% and put the account down as Paid in Full. So I paid it. 3 weeks later I'm still waiting on my Paid in Full letter from them, so I call. At this point they say they will send me out a letter saying settled in full, so I argue that I was told it would be Paid in Full. They say it doesn't really make a difference, and that I didn't PiF, I settled. In NYS paid collection accounts fall off after 5 years, the account is 3.5 years.

Is there anything I can do about this?

[Anonymous]

Settled in full or paid in full, I don't see what difference it makes.  Even if marked settled in full that means the account is paid.  So it would still come off after 5 years no? 

[dude11]

Unless you got it in writing that after you settled they would update the status to paid in full you before you made the payment, then you pretty much are out of luck. Well somewhat. What you can do is send a GW letter to remove the entire tradeline instead which is better than having the status listed settled or paid in full.

A collection is a collection. The settled or paid in full status will not matter and by having the collection account on your report will hurt your credit regardless. Forget about changing the status to PAID IN FULL and go with trying to get them to delete the entire account from your credit report.

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[Anonymous]

Yes,as Dude said a collection is a collection either way. Ive heard it can actually hurt your score to pay them because it updates in system and is more recent. Only way i would pay it is if they take completely off report otherwise will come off after 7 yrs and will hurt less as the yrs go by.

[MarineVietVet]

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@Anonymous wrote:

Yes,as Dude said a collection is a collection either way. Ive heard it can actually hurt your score to pay them because it updates in system and is more recent. Only way i would pay it is if they take completely off report otherwise will come off after 7 yrs and will hurt less as the yrs go by.

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If it's reported and coded correctly this is not supposed to happen. You notice I said supposed. 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Maldanado]

Problem is, I already paid them. And Tate & Kirlin didn't report it, First Premier did (who said they absolutely don't delete). As far as the 7 years go, it's 5 in New York state for a collections account that is listed as paid. I'm not sure if settled in full will do the trick. But I will search the boards for anyone that has had some success with First Premier.

[dude11]

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@Maldanado wrote:

Problem is, I already paid them. And Tate & Kirlin didn't report it, First Premier did (who said they absolutely don't delete). As far as the 7 years go, it's 5 in New York state for a collections account that is listed as paid. I'm not sure if settled in full will do the trick. But I will search the boards for anyone that has had some success with First Premier.

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Sorry I'm confused. So who is reporting? Tate & Kirlin or First Premier? If the CA is reporting it may be easier to get them to remove after a GW or series of GWs. If the OC is reporting then it may be harder to get them to remove the account or tradeline. Either way search around here and see if other people have had success removing either one from their CRs. Keep in mind OCs are more reluctant to remove tradelines than CAs.

[Maldanado]

It's First Premier that is reporting, and reporting as if the card is still open (which hurts my utilization %). Tate & Kirlin never reported.