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HomeCredit ForumCredit repair

Help paid collection not removed as agreed

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iancka83
Guest
Subject: Help paid collection not removed as agreed
 
 Posted on Thu Sep 04, 2008 7:09 pm  
So when I first started disputing collections on my credit I paid a few off with the verbal aggreement of them being removed. Of course they werent and for the last 2 years I've been disputing them with no success. Would a verification letter request help with this? please help.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 3236



1048 Magic Points
 
 Posted on Fri Sep 05, 2008 12:19 am  
Always always get these things in writing. This happens so much when people don't get a pay for delete in writing. I am not sure what you can do at this time but someone should be along shortly to answer your question.
 
anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 531



13246 Magic Points
 
 Posted on Fri Sep 05, 2008 5:40 am  
Hi iancka
I agree with Fireyone. Whenever you make a pay for deletion agreement, it should be made before you pay off the debt and should be in writing. This is because if they have made a verbal agreement with you, they may not remove the listing from your report even after you pay it off in full and you will have no documents in support of the agreement that the CA has agreed for PFD. However, if you have it in writing, even if the CA does not remove the listing from the report, you can directly dispute the listing with the credit bureaus.
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
You can also visit my blog
http://financewatchonline.blogspot.com
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3235



2257 Magic Points
 
 Posted on Sat Sep 06, 2008 1:38 am  
At this point since you have not been successful over a long period of time, you should send the company a letter requesting that they remove it, see if they will do it as a good will gesture, they may since you held up your end of the bargain and paid it off. Worth a shot.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 3236



1048 Magic Points
 
 Posted on Sat Sep 06, 2008 1:40 am  
Anything is worth a shot. It never hurts to ask but usually if it wasn't in writing you will find they are less likely to do any good will.
 
credi28
Guest
 
 Posted on Sat Sep 06, 2008 3:24 pm  
Iancka,

Anytime you dispute anything with the credit bureaus you should have it it writing, not only that but you should do everything by credit advice. I will answer all your credit questions in this great and simple to use software please visit credit repair magic

All the best,

Stan
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3235



2257 Magic Points
 
 Posted on Sat Sep 06, 2008 4:13 pm  
Stan

here is my question, what is the best way to file a dispute and get something off your credit report.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 627



-15 Magic Points
 
 Posted on Sun Sep 07, 2008 12:44 am  
Goodluck goodnatured if you are trying to get free help at a credit repair agency posting, they are just here to lure into business.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 3236



1048 Magic Points
 
 Posted on Sun Sep 07, 2008 12:46 am  
I also would like to have this info.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3235



2257 Magic Points
 
 Posted on Sun Sep 07, 2008 1:51 am  
we will see if they are helpful to anyone
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 3236



1048 Magic Points
 
 Posted on Sun Sep 07, 2008 2:12 am  
Kind of like a good will deed. Don't see much of that now a days.
 
CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 376



4057 Magic Points
 
 Posted on Sun Sep 07, 2008 4:35 pm  
Good natured,

I always prefer to do my disputes via USPS. I have found that a good letter with proof as to why I am disputing a listing, Along with some FCRA statues thrown in goes a lot farther than an online dispute. The CRAs online disputes don't leave you alot of room to explain your disputes. They give you 3 or 4 different reasons to dispute the listing and if your reason isnt there....IDK how you do it online!
_________________
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Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

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http://homecreditrepair.hqforums.net/
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3235



2257 Magic Points
 
 Posted on Sun Sep 07, 2008 6:21 pm  
I could see where this would be more effective if they get a pile of information in the mail on paper and if you have all the evidence of everything that proves your dispute.

thank you for the advice.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 3236



1048 Magic Points
 
 Posted on Tue Sep 09, 2008 1:26 am  
Gn I really agree with CMBV here. She makes a very good point on the differences between USPS and online. If you have the need to maybe do some in depth explaining when you dispute you may find the good old fashioned way may get you results a little quicker. Good Luck.
 
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