can i request for a pay for delete for accounts which are pa

Submitted by markingersoll on Fri, 09/10/2010 - 18:56
Forums

I've validated and paid in full, all of my collections and charge-off's.

can i still follow the PFD (pay for delete) process to have the collections and charge-off's removed from my credit report?

no, you cannot PFD a paid account. It is basically bribing someone to remove stuff from your credit. This is pretty illegal. No matter how sleazy collection agencies are, I have never heard of this working.

However once a debt is paid, after a year or so you may have luck getting the items disputed off. you can also trying filing complaints

Fri, 09/10/2010 - 21:43 Permalink

Hi markingersoll,

Welcome to this community :)

No, you can't request a "Pay for delete" (PFD) on a "Paid" account. You can rather send Goodwill letters to the collection agencies and creditors (whoever you have paid). A goodwill letter is a request to remove the negatives on the basis of your goodwill.

If this does not work, you can try removing these items by filing disputes.

Thanks,

Aaron

Sat, 09/11/2010 - 06:42 Permalink