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Yes, you can never remove correct information from your credit report

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Doc

Doc

Joined: 02 Dec 2008
Doc's page
Posts: 178
Location: McKinney, TX


1271 Magic Points

 
Posted on Mon Dec 29, 2008 10:40 pm  

I must ~politely~ disagree with at least part of this... PAYING OFF A DEBT DOES NOT REQUIRE DELETION, REGARDLESS OF WHETHER IT IS WITH A COLLECTION AGENCY, OR THE ORIGINAL CREDITOR. This is a huge misconception. In fact, furnishers of credit information are told VERY CLEARLY that they are NOT to remove paid items...

Now, you must also understand that, if you pay an original creditor, as a result of the collection activity from a third party (including reporting to the bureaus), the third party is not REQUIRED to remove their listing either. Most times, though, they can be convinced to do so.
_________________
-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site...
http://www.omegacreditrepair.com
You can also get tons of information here!
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best buy credit repair .



Joined: 25 Jul 2008
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Posts: 8



1096 Magic Points

Subject: no no
 
Posted on Mon Mar 09, 2009 12:48 am  

check out ripoffreport.com first!!!!
carol

carol

Joined: 27 Jun 2006
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Posts: 1299
Location: Los Angeles, California


30054 Magic Points

 
Posted on Mon Mar 09, 2009 6:07 am  

Yes, you can never remove correct information from your credit report. But, if you can negotiate with the creditor for a pay for deletion agreement and the creditor agrees to it, the negative information can be removed once you pay off the debt in full. However, if the debt is sold by the OC to a CA, and you come to a PFD agreement with the collection agency, only the CA listing can be removed from your report, but the OC listing will stay there in your report for seven years.
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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1916 Magic Points

Subject: credit repair
 
Posted on Tue Jan 03, 2012 10:02 am  

If you are talking about Credit Repair companies, I think you need to be careful of alot of tem. I've tried a few myself and there is nothing that THEY aren't doing that the consumer can do for themselves. This forum has helped me ALOT in what to tackle on my credit. About SOL on debts, how CA's work, etc. ALOT of Credit Repair companies want alot of money for "fees", etc. and that would be shelling out more money than the consumer may be able to work with.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: credit
 
Posted on Mon Jan 07, 2013 1:24 am  

I've tried crecreditservices. They took my money and did nothing for me. A phone they provided to me is now disconnected. They are a scam.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: credit
 
Posted on Mon Jan 07, 2013 1:43 am  

I do want to add anyone can fix their own credit by paying attention to what the forum experts say on the forum. Slowly but surely anyone can repair their credit, obtain a higher credit score and you won't be paying someone else to do it.
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Subject: hacking services
 
Posted on Thu Mar 29, 2018 7:24 pm  

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Posted on Wed Dec 05, 2018 10:41 am  

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