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How do i request the negative item delete from my report

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Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2675



48566 Magic Points
Subject: illegal reaging
 
 Posted on Fri Aug 13, 2010 10:16 am  
Hi Danny,

Then there shouldn't be a problem I think? Or am I getting you wrong in any way?

Thanks,

Aaron
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kakucis



Joined: 16 Aug 2010
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Posts: 5
Location: London


137 Magic Points
 
 Posted on Mon Aug 16, 2010 3:29 pm  
i discover they aren't reaging my document about the get rid of day nevertheless exactly the same as prior to i just the sold to various ca and once they statement they need to place the new day on however the document nevertheless using the old a/c open day ..

But they maintain reporting derogatory on my statement it's currently twice inside 4 days with exactly the same info.
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Aaron

Aaron

Joined: 08 Feb 2010
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48566 Magic Points
Subject: account sold to collections
 
 Posted on Tue Aug 17, 2010 9:26 am  
Hi kakucis,

Whenever your account gets sold to a collection agnecy this will get listed on your credit report. The negative entered by the creditor, and the collection agencies previously in hold of the account will remain there for 7 years.

Thanks,

Aaron
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Danny88



Joined: 04 Aug 2010
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Posts: 16



233 Magic Points
Subject: Pay for Delete
 
 Posted on Thu Aug 19, 2010 5:01 pm  
Quick question how likely will the collection agency accept your settlement offer and have it remove from your report?

Thanks
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2675



48566 Magic Points
Subject: pay for delete
 
 Posted on Fri Aug 20, 2010 11:10 am  
Hi Danny,

First of all not all collection agency agree to settle, and agree to "Pay for delete" (PFD) the negatives. Whether or not the CA will settle and PFD depends totally on the agency itself, and I should say on your luck too Smile

I think you should atleast try.

Thanks,

Aaron
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Danny88



Joined: 04 Aug 2010
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Posts: 16



233 Magic Points
Subject: pay for delete
 
 Posted on Fri Aug 20, 2010 2:36 pm  
Aaron,

Thanks so much for the answer, i already send out all the pfd letter how long will it take for them to respond. because i didn't send it out my self i have a credit repair company send out the pfd letter for me.

Thanks,

Danny
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2675



48566 Magic Points
Subject: pay for delete
 
 Posted on Mon Aug 23, 2010 11:09 am  
Hi Danny,

Quote:
how long will it take for them to respond
This will depend on the credit card companies and collection agencies. There is no such fixed time within which they may respond to your PFD request. However, did your credit repair company send the PFD agreements through certified mail?

Thanks,

Aaron
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Danny88



Joined: 04 Aug 2010
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233 Magic Points
Subject: pay for delete
 
 Posted on Mon Aug 23, 2010 3:51 pm  
Aaron,

I am not sure is there a different?

Thanks.
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2675



48566 Magic Points
Subject: pay for delete
 
 Posted on Tue Aug 24, 2010 12:01 pm  
Hi Danny,

Yes there's a difference in sending letters through certified mail, requesting a return receipt (CMRRR) and not sending it through CMRRR. If you send a letter through certified mail you get to know if the letter reached it's destination, and the return receipt comes back signed. Thus, you get to know whether or not the person you have sent the letter to have received the letter.

Hope this helps.

Thanks,

Aaron
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hgimmy229

hgimmy229

Joined: 01 Jul 2010
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Posts: 11
Location: Florida


259 Magic Points
 
 Posted on Fri Aug 27, 2010 4:12 pm  
You have the right to dispute inaccuracies off your credit report based upon The Fair Credit Billing Act. You can send a written letter to all 3 major credit bureaus to dispute inaccuracies off of your credit report.

From the date of the dispute, the creditor or collection agency has 30-60 days to respond back to each credit bureau showing the validity of the debt & why the consumer is responsible for it. If they can't, then under federal law, the collection item needs to be lifted off of the credit report.

For more information on the Fair Credit Billing Act, please go to: http://www.ftc.gov/os/statutes/fcb/fcb.pdf

Please feel free to contact me if you need further assistance.
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Danny88



Joined: 04 Aug 2010
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233 Magic Points
Subject: Pay infull dispute
 
 Posted on Mon Aug 30, 2010 4:14 pm  
can i pay my collection agency in full of the amount i owe. and i dispute with the burueas for paid in full will they remove the negative item even the report say paid in full?

thanks

Danny,
Danny88



Joined: 04 Aug 2010
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Posts: 16



233 Magic Points
Subject: Pay infull dispute
 
 Posted on Mon Aug 30, 2010 11:03 pm  
just make a full payment and the agent told me to write a letter to fax in to request them to remove any body can help what kind the letter i need? please help.

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