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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Tue Dec 02, 2008 11:51 pm
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| I wish you would have found your way here before paying that debt. Anyhting that is protected by the statute of limitations really needs to be left alone and left to fall off. Looks like they are going to fall off soon. Do not make any contact to the company or debt collectors who may have these accounts. You do not want them talking you out of a payment when the debts are soon going to be off your report and a thing of the past. Do not feel bad though. We all live and learn. Just remmeber once you get these negative listings off your report try to keep it clear sailing from there. |
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 730
17417 Magic Points
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Wed Dec 03, 2008 10:39 am
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If you have already paid off the credit card without PFD in writing, the creditor generally do not remove it from your credit report. Now, this pay for deletion agreement with the creditor is effective in improving your credit score if the OC has not sold off the debt to the collection agency and you have made the agreement with the original creditor. But if the debt has been sold off to the CA, and you come to a PFD with the CA, only the CA listing will be removed from your report and not the OC listing.
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Where there's a will, there's a way !! |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Fri Dec 05, 2008 11:55 am
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| I can understand when the original creditor does not remove it. They were not fully paid abck so why do the debtor any type of favors. Do people have trouble getting collection agencies to stand behind the pay for delete once the bill is paid off and how long does it usually take for them to remove their listing fro your credit report? They have to do this to all three correct? |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Sat Dec 06, 2008 4:57 am
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I have not had any luck having anyone getting anything deleted. I will just have to wait for the seven years to get them to fall off my report.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Sat Dec 06, 2008 3:27 pm
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| Did your read any of the new persons (DOC) posts? He says that it is actually illegal for the creditors to delete marks off reports. He says also that the system has a lot of flaws and most marks can be deleted. If you could find that post he may be able to help. At first I doubted the Doc but it seems he is giving some advice freely so maybe we should with hold judgenment. Read through some of those posts and see the things we don't know. I think you will be surprised. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Sun Dec 07, 2008 5:25 am
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Can you be more specific on where these posts are about deleting posts, I would be interested in reading them. I will put a search in for all docs posts and see what I can find on my own, but if you find them first can you post the link for them here. thanks
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Mon Dec 08, 2008 10:57 pm
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| I am not quite certain exactly which one it was. I have only been answering exactly ten posts per day and haven't run onto it yet. I am trying to figure out why I keep getting my points deducted and thought maybe I was posting too much since I have been on topic. I remember him saying that by laws of the reporting agencies the creditors are not suppose to be able to grant pay for deletes. If I run onto it again I will send you a om. |
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