I have two accounts in collections that I'm trying to get delete agreements for. One of them is a medical bill from when I was 18. My parents never gave me the bill and I was unaware that it was my responsibility to pay it. I have talked to the collections agency and they say it is not in their policy to make delete agreements. I understand that the debt needs to be paid however, I never received the bill from the doctor nor did I receive letters from collections.
The other collections account is from when I rented a dorm in college and moved out before my lease was up. However, the lease was supposed to be for a shorter amount of time than the lease stated (but i signed it anyways). There's a long story behind it and it's not fair that I was charged the lease break fee but I would pay it to have it removed from my credit report.
I've disputed both accounts and both have replied saying that I need to pay. Is it still possible to get a delete agreement? I'm so desperate to have these removed from my credit report.
If you defult on any loan and any bills with or without your knowlde, you are laible to pay it
Also you cannot just delte them after you pay it off, they will saty on the accoutn for atleast 7 years
Hi Wednesday
I can understand your desperation. But the fact is, you cannot force any collection agency to agree to a 'pay-for-delete'. It is their choice and also on how well you have been able to negotiate with them. If they don't agree to a 'pay-for-delete' then this will stay on your report for 7 years but as paid in full or account settled.
About the medical bill, how did you come to know that you owe it? Is it reflecting on your report? Did you get to know from the CA when they called for collection? In case they have, you must first ask for a debt validation. You may use a debt validation letter from this site. Let them properly validate the debt and only then proceed with paying off any debts. Just saying that you need to pay the bill is not legal validation. They need to show you copy of the bill and also that they have the legal authority to collect the bill.
Hi Wednesday,
Well, you said that you did not receive any document from the doctor and the CA for your medical bills. Then I believe you should ask them to verify your debt. You are liable to pay the debt only if the debt is in your name and they have validated it. Your parent's debts do not pass on to you for payment. So wait till they validate your debt and then take the next step. You can find a sample debt validation letter in Carol's reply.
For the second part of your post, I think you have to try to negotiate with the CA once more to have it removed. Honestly, like Carol said, you cannot force them to remove it from the report. However, you can still try to negotiate because you are saying that the lease time was shorter than stated. Unfortunately, if they do not agree, then the negative items would remain in your credit report for 7 years.
When I went to the doctor, I was still a dependent and the bill was supposed to be covered by the insurance company. Apparently, it was not covered...
Shouldn't the bill be my parent's responsibility?
Thanks for the replies... I'm going to send both CA's debt validation letters.
If the bill was in your name then you are laible
But if were under 18 then the bill shoudl ahev been sent in yoru parents name