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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: reply
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Thu Feb 25, 2010 10:42 am
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Hi chor and moon:
If you have already paid the debt, then it won't be that easy to remove the item from your credit report. Once you have paid the dues, the creditor or the collection agency won't want to work with you anymore in relation to that account. However, if the account is showing zero balance on your credit report, then you need not worry.
Moon, you could have requested the creditor or the collection agency to agree to a "Pay for delete" agreement during the settlement.
Soule:
You can get a sample "Pay for delete" letter at http://www.creditmagic.org/repair/pay-for-delete.html . You should send it through certified mail.
Thanks.
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Sharon
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Subject: reply
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Thu Feb 25, 2010 10:46 am
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Hi Dan:
Your question is not clear to me. Can you be more specific on which sample letter you want?
Sol:
Yes, you should immediately send a dispute letter to the creditor, along with the copy of the divorce decree indicating that you are no more responsible for the payments.
Thanks. |
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Miranda
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Subject: Not my debt
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Fri Apr 02, 2010 3:06 am
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I received a letter showing I owe for my car being towed. I have proof showing the car was sold in 2004 the debt is from 2007. Any sample letters for something similiar?
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: validate debt
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Fri Apr 02, 2010 9:04 am
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Hi Miranda,
What you need to do is send them a "Debt validation letter". Through debt validation you come to know whether or not the debt is yours.You will get a sample validation letter at http://www.creditmagic.org/repair/sampleletter-debtvalidation.html .
Hope this helps.
Regards,
Aaron
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rose
Joined: 12 Apr 2010
rose's page
Posts: 2
26 Magic Points
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Subject: REVERSAL LETTER
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Mon Apr 12, 2010 5:14 am
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| hi i need a format of reversal letter that i need to send to the bank |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Chocgirl
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Subject: Letter to have a paid collection removed
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Tue Apr 13, 2010 6:53 pm
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| Does anyone have any suggestions for collections that have been paid, but I will like to request that the collection be removed from my report? |
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csteck43
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Subject: Letters for removal
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Sun Apr 25, 2010 2:16 am
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| I sent letters to all the past creditors that were on my credit report that still have the accounts as open and have kindly asked them to remove them... how long should I wait to see what happens or to write another letter? How many letters do I have to write to until they take off a negative reporting account? |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: letter of removal
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Fri May 28, 2010 11:53 am
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Hi Chocgirl:
I am afraid that paid collections cannot be removed from your credit report. They are going to stay there on your report for 7 years, after which they are going to fall off their own.
csteck:
Can you give more details on your credit? Are the accounts you are talking about paid? If so, then perhaps the creditors won't want to work out with you for removing the negatives.
Thanks,
Aaron
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Carmen
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Subject: Student Loans
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Sun Jun 06, 2010 10:00 pm
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is there anything I can do about a pesky student loan on education I didn't get?
I attended a school for ultrasound technology in Houston and was able to get grants and loans to pay for my $25,000 tuition, however in the last semester there I failed ONE of my classes and was refused the ability to retake the class so I could finish my 2 yr associates degree.
I tried to transfer out and finish up, but no other schools 'recognized' the credits I had already finished and was told over and over I would have to START OVER and pay AGAIN for the same education I already had.
It's going on 10 yrs and I still owe $7,500 working a mediocre job. I have a mortgage and truck note along with other bills and I feel this one is uncoming being so I didn't benefit from it and I do NOT have a job in the field I went to school for. |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: student loams
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Tue Jun 08, 2010 10:50 am
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Hi,
Can I know whether the student loan is a Federal Government one, or is it a private student loan?
Thanks,
Aaron
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lvdcrane
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Subject: need help restoring my credit
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Sun Jul 18, 2010 5:24 pm
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| hey LEXY, I need your help in restoring my credit. How do i get in touch with you. |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Wed Jul 28, 2010 10:06 am
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Hi,
Can I know who is Lexy?
Thanks,
Aaron
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Joey
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Subject: letters for prospective employers/bad credit
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Wed Aug 04, 2010 5:21 pm
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| What kind of letter can you write to explain some medical bills on your credit report for prospective employers that do credit checks. And I recently went through a divorce and ex filed bankruptcy and two items are showing up on there that were not mine but my name must have been on the items. How can you explain those? thanks |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: letter
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Thu Aug 05, 2010 10:27 am
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Hi Joey,
I am afraid I don't know how you can explain those to prospective employers. It is better to repair your credit before applying for jobs.
Thanks,
Aaron
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