Click to verify BBB accreditation
A+ on BBB
Community Chat
Community Area
Search:

Helpful Resources


Community




Creditmagic Twitter





Credit on Facebook



HomeCredit ForumImprove your credit score

How do i request the negative item delete from my report

 Post reply  Start a topic
Author Message
Options
Print this topic
Invite a friend
Email this topic
  Bookmark online
Add to del.icio.us
Add to YahooMyWeb
 
Danny88



Joined: 04 Aug 2010
Danny88's page
Posts: 16



233 Magic Points
Subject: How do i request the negative item delete from my report
 
 Posted on Wed Aug 04, 2010 5:52 am  
i have 2 negative item on my credit report and i call them if i pay for the balance will they remove the negative item from my report and can i have an agreement that from the collection agency. the answer is no the dont send agreement for deletion letter they will update with the burueas every monday . what should i do please advised.

Thank you.
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675



48566 Magic Points
Subject: negative item deleted
 
 Posted on Wed Aug 04, 2010 9:18 am  
Hi Danny,

Can you please be more clear on your query. Please let me know if you had requested the collection agency to agree to "Pay for delete" (PFD) agreement? If you had, then get the agreement in writing, or atleast some kind of proof that you may be able to show if any dispute arises later.

Thanks,

Aaron
_________________
Keep in touch Smile
Danny88



Joined: 04 Aug 2010
Danny88's page
Posts: 16



233 Magic Points
Subject: negative item deleted
 
 Posted on Wed Aug 04, 2010 7:16 pm  
Hi Aaron,

i have 2 questions.

1. can i send them a pay for delete agreement in the settle amount?

2. on the pay for delete agreement should i put the amount i want to settle or the original balance? (e.g. i owe $400 but i want to settle for $250) please advise Smile
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675



48566 Magic Points
Subject: negative item deleted
 
 Posted on Thu Aug 05, 2010 5:28 am  
Hi Danny,

Quote:
1. can i send them a pay for delete agreement in the settle amount?
I think it is better to send two different letters to the collection agency. One for the settlement, and another for the "Pay for delete" (PFD) agreement.

Quote:
2. on the pay for delete agreement should i put the amount i want to settle or the original balance?
As you are sending a settlement letter with all details on the debt, I don't think there's the need to include the original, and settlement amount in the PFD letter. You can use the sample PFD letter to write your own.

You can add the line
Quote:
i owe $400 but i want to settle for $250
in the settlement letter.

Hope this helps.

Thanks,

Aaron
_________________
Keep in touch Smile
Danny88



Joined: 04 Aug 2010
Danny88's page
Posts: 16



233 Magic Points
Subject: Thanks
 
 Posted on Thu Aug 05, 2010 5:33 am  
thank you so much Aaron
Danny88



Joined: 04 Aug 2010
Danny88's page
Posts: 16



233 Magic Points
Subject: negative item deleted
 
 Posted on Fri Aug 06, 2010 6:06 pm  
Aaron, i don't know why this morning i wake up i got a new collection in my credit report and i call them this is one of the item that has been remove long couple months ago and now is on my report again. any idea what i can do?

Thanks
Danny88



Joined: 04 Aug 2010
Danny88's page
Posts: 16



233 Magic Points
Subject: negative item deleted and on my credit report again
 
 Posted on Sat Aug 07, 2010 12:05 am  
Aaron,

one of my collection has been delete and not they change the collection company and put the negative on my credit report again and the day is start from July 2010 and i know this account is back to 2005 so any way i can dispute and have them remove as an inaccurate.?

please help anyone .....
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4285



127 Magic Points
 
 Posted on Sat Aug 07, 2010 3:52 pm  
Danny, If I am understanding your post correctly a negative was relisted. was it by a new collection company for the same previously deleted debt? If so they may be able to relest if they purchased the debt. Please explain more clearly so that we can help you.
Danny88



Joined: 04 Aug 2010
Danny88's page
Posts: 16



233 Magic Points
 
 Posted on Sat Aug 07, 2010 3:59 pm  
yes i was relist with the new company for the same previously deleted debt. and now the post the deliquent date with the newest date (example.. previously june/2005 date open the account now they relist as a August/2010) can they do that?
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675



48566 Magic Points
Subject: illegal reaging
 
 Posted on Tue Aug 10, 2010 10:12 am  
Hi Danny,

No the delinquency date can't be changed. This is illegal reaging of debt. You should file complaint with Fair Credit Reporting Act, and the State Attorney General.

Thanks,

Aaron
_________________
Keep in touch Smile
Danny88



Joined: 04 Aug 2010
Danny88's page
Posts: 16



233 Magic Points
Subject: illegal reaging
 
 Posted on Tue Aug 10, 2010 3:51 pm  
Aaron,

thank you for your reply i just send a PFD to them in settle amount wanna see what is the result first if they not agree i will just have file a complaint as you mention above.

Danny
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675



48566 Magic Points
Subject: illegal reaging
 
 Posted on Wed Aug 11, 2010 10:44 am  
Hi Danny,

I think you have made a mistake. If the debt was reaged without your permission then you should fix that first. You should have filed the complaint first.

Thanks,

Aaron
_________________
Keep in touch Smile
Danny88



Joined: 04 Aug 2010
Danny88's page
Posts: 16



233 Magic Points
Subject: illegal reaging
 
 Posted on Wed Aug 11, 2010 3:53 pm  
Aaron,

i find out they are not reaging my file on the remove date still the same as before i just the sold to different ca and when they report they have to put the new date on but the file still with the old a/c open date ..

But they keep reporting derogatory on my report it's already twice within 4 days with the same information.

Thanks.
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675



48566 Magic Points
Subject: illegal reaging
 
 Posted on Thu Aug 12, 2010 12:20 pm  
Hi Danny,

Can you please give the dates with the original creditor and the collections as well?

Thanks,

Aaron
_________________
Keep in touch Smile
Danny88



Joined: 04 Aug 2010
Danny88's page
Posts: 16



233 Magic Points
Subject: illegal reaging
 
 Posted on Thu Aug 12, 2010 3:52 pm  
i notice from the estimated delete date is the same before it was estimated delete on 2012 and now is the same.

Quick Reply
Your Name
Subject
Message body
1, 2  Next  
Page 1 of 2

 





Home|Contact Us|Terms of Services|Privacy Policy|RSS
* Disclosures:
  • Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
  • Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
  • Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
  • Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
  • The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.
Page loaded in 21.090 seconds.