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TexasA&M
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Subject: Paying off debt

Tue Jan 19, 2010 10:49 pm

Texas A&M,

If I paid off 2 debts for a few hundred dollars very small accounts I didn't even know I had. I checked my credit report today and it says PAID on both items. I was wondering how I could get them removed or reaged all together. One was from an insurance company I sold insurance for and the other was for a cable bill very small amount. As soon as I found out about them I paid them in full. No negotiating just called them up and made a full payment no arguing or anything. How do I go about getting those items taken off my report entirely. They already say PAID IN FULL.

Best Regards,
AGGIE

debranewell2008

Joined: 10 Oct 2009
debranewell2008's page
Posts: 594

99 Magic Points

Wed Jan 20, 2010 3:31 am

I really don't know of anything you can do now that they are paid in full. If the accounts have been listed for 7 years they will fall off on there own. If they weren't paid you could have tried a pay for delete but that doesn't always mean the creditor will agree to this. Hope this makes since.

cinnamngrl

Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1455

6339 Magic Points

Wed Jan 20, 2010 10:33 am

you can dispute them every year and they may fall off. You could think about a some way to complain about them but it may be tough this soon after. It should come off before 7 though.
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prabax

Joined: 20 Jan 2010
prabax's page
Posts: 6

46 Magic Points

Wed Jan 20, 2010 11:40 am

If they weren't paid you could have tried a pay for delete but that doesn't always mean the creditor will agree to this. Hope this makes since.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Thu Jan 21, 2010 12:25 am

I am wondering since you gave them no hassle in paying the bill that maybe you could call and ask fr the managers of these places and ask if they could assist you in removing these. It is a long shot but why not try. You have nothing to lose except for the marks on your credit report.

prabax

Joined: 20 Jan 2010
prabax's page
Posts: 6

46 Magic Points

Thu Jan 28, 2010 11:09 am

If they weren't paid you could have tried a pay for delete but that doesn't always mean the creditor will agree to this. Hope this makes since.
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Lark
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Sun May 22, 2011 11:38 pm

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Sally Nachelle
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Subject: Paying off debt

Tue May 31, 2011 6:35 am

Negative items will remain on your credit report at least for 7-10 years from the date of your first default. If you want to wipe out those items from your credit report entirely, you can send a goodwill letter to your creditors to remove negative listing from your credit report. The following link may help you in this regard: debtconsolidationcare.com/letters/goodwill-removelisting.html

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Subject: I want to thank you for such a meaningful blog post

Mon Dec 12, 2011 9:22 pm

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