Pay for delete letter: Negotiate to remove negative listing

Joined: 10 Feb 2010 Posts: 3 70 Magic Points

Dear Carol,
How does one go about disputing several items from the same CA? Individually or all together? Does one offer the full amount or some percentage for pay for delete?

Thank you!!

Joined: 08 Feb 2010 Posts: 2675 48566 Magic Points

Hi SCVMom,

What you need to do is first go for debt validation of all of the debts. After the debt validation, if you think you don't owe the debts, you can dispute the items with the collection agency (CA). You can dispute a couple of items at a time. Don't try to dispute all the items at the same time. If you try to dispute all items at one go, the collection agency may reject your claim.

As for the Pay for delete, if one pays the due amount in full, the amount is reported as "Paid in full", else if the debtor settles the amount to be paid then it will be report as "Paid a settled".

mika · Guest 0 Magic Points

I have a collection account on my credit report that has a zero balance. When I called the collection agency to find out about this account, they told me my insurance company paid for this two years later. I was told they had to claim it with someone. They still refuse to take it off my credit report. What should I do about this and how can I go about getting this off my credit report.

Joined: 08 Feb 2010 Posts: 2675 48566 Magic Points

Hi Mika,

If the report shows that the account has zero balance, that will not harm your credit score. So you need not worry about it. Moreover it may fall off your credit report after 7 years. However you can still try with the credit bureaus to remove the item off your credit report.

rose · Guest 0 Magic Points

i will like to know why i have neg item in my credit report is they are paid in full all of them .. how can i get them off my report?

Joined: 08 Feb 2010 Posts: 2675 48566 Magic Points

Hi Rose,

Were you delinquent on your account, or was it sent for collections? If the account was charged off, while paying the debt, didn't you request the collection agency for a "Pay for delete" agreement? If you have not asked for a "Pay for delete", the delinquency or the charge off will be reflected on your credit report for 7 years.

With the Pay for delete agreement, the charge off would have got deleted from your credit report. Now, there is no other way to remove the negatives from your report. They will fall off after 7 years. As it's reflecting "Paid in full", it won't have much of a bad affect your credit history.

kris · Guest 0 Magic Points

I am dealing with two medical collections. One happened about three years ago and was collected for $441. I paid four or five bills at the hospital and none ever totaled $441. Now I have a collection for this amount. I contacted the collection agency and they told me "we hold the keys so you better pay up."

The other collection has to do with an insurance filing that was denied and turned over to collection while we were dealing with it. This one for $140. Both of these were under the same insurance carrier and I have a feeling that is the main cause of the problem.

I've never had to deal with collection so I decided to call the collection agency and I told them I am not certain about the validity of these debts but I will pay them if they delete them. Neither would listen.

While on the phone with the account representative at the second collection agency she told me to "shutup and get off" then hung up the phone.

What is wrong with these people?

Anyways, how can I deal with this? My wife and I are preparing to purchase a home and my credit is still good enough to obtain whatever financing we need.

Joined: 08 Feb 2010 Posts: 2675 48566 Magic Points

Hi Kris,

You should first ask the collection agency to settle for the original amount that you owe. If they don't comply, you can report the matter to the Federal Trade Commission (FTC). Along with the letter to the FTC, you can attach the proof of your original medical bill, and the proof of the amount you owe.

You can also check for the details of the company with the Better Business Bureau, and report the matter to them. Other than this you can consult a lawyer too, who may be able to help you legally.

Hope this helps.

KristinRichmond · Guest 0 Magic Points

What if they CA or original creditor has already contacted me over the years (obviously I know about the debt) will this still work or is there a different way I should go about it?

Joined: 08 Feb 2010 Posts: 2675 48566 Magic Points

Hi,

You can contact the company and request them. The company wants to get back the dues, so they will definitely try to work out a plan with you.

AgentMommy · Guest 0 Magic Points

How can I get a deletion letter from a creditor when I've already paid the account in full? I've asked for one, but they are refusing, saying they will only report the account as having been paid.

Any ideas?

Joined: 08 Feb 2010 Posts: 2675 48566 Magic Points

Hi Agentmommy,

As you have already paid the account, it won't be possible to delete the negative details on the account from your report. This agreement needs to be done before the payment is made. The creditor won't agree to your request. However, there's not much to worry. Just check the status of your account on the credit report. If it's balance is being reflected as zero, there's nothing to worry.

Hope this helps.

Regards,

Aaron

JULIE · Guest 0 Magic Points

Does a CA HAVE to take the offer of a PFD letter??

iola · Guest 0 Magic Points

i pay off my collection acount.i dont owe any money.do i still need to pay so they to delete the acount from my credit report?

Vangel · Guest 0 Magic Points

Hello,
I have some collection accounts in my credit report that have already been paid in full. How do I request these items to be removed?
Please advise!

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