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Can I get information deleted off my report

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Subject: Discouraged with the system
Posted on Tue Apr 27, 2010 12:32 pm  

I have been browsing all of the above incidents. I have had a credit score of 750+ for the last two years. I moved out of an apartment due to I was sent to Iraq. I thought I had paid all utilities in full, yet the gas bill was left at $50.00. The gas company had no way of forwarding the bill or the collection information. Six months later when I checked my credit score, it went down to 648 due to this one bill! I paid it off immediately and now I am wondering if all of my hard work of keeping my Credit score in good standings was all in vain, especially when my goal of purchasing a home was around the corner. I had already paid the debt prior to knowing that you can negotiate whether they take the debt off your report. I wonder if they will still take into consideration that I have never been late on my bills and overlook that one negative debt that bought my score so low.

Joined: 10 Mar 2010
NightStar's page
Posts: 142
Location: Illinois

3176 Magic Points

Posted on Tue Apr 27, 2010 9:57 pm  

I would get a letter from the service showing that you were away on duty, take that to the company and ask if in consideration since you did pay immediately upon returning if they can remove this off of your credit report.

Let them know you are looking to apply for a home mortgage and that this incident has dropped your score and you are trying to get the best rate possible.

I think in your case since you are a service member you can play that side up and get their assistance in this matter. Good luck
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Posted on Sat May 01, 2010 2:26 pm  

I took the confirmation confirmation number for payment and did a dispute on via the internet. Two days later they sent me a notice and advised me that it had been deleted off of my credit score. My score will show the low number until the quarterly assessment and then it will return to the higher score!!!!
Thanks you again!

Subject: charge off
Posted on Fri Jun 11, 2010 12:46 am  

the collection officre is telling me that if i pay it off he will give me a letter that will say that i paid it in full .he said that i can call the credit agacy and ask them to remove it is that true ???


Joined: 08 Feb 2010
Aaron's page
Posts: 2632

48565 Magic Points

Subject: charge off
Posted on Mon Jun 14, 2010 12:08 pm  

Hi Guest,

No, a charge-off cannot be removed by the collection agency. Charge-off can only be removed by the one who entered it. That is either the creditor who had charged off the account.

For the charge-off to be removed, you will have to first request your original creditor to pull back the account from the collection agency. If the account has not been sold off, then the creditor may agree to remove the charge-off. Get the agreement in writing. After you pay off the debt, the creditor will request the credit bureaus to remove the charge-off. If they do not, you can use the written agreement to dispute the charge-off with the credit bureaus.


Keep in touch Smile

Subject: medical bills..
Posted on Wed Jun 23, 2010 11:16 pm  

i have several medical bills that went to collections due to being in a car accident in which the other driver at fault did not have insurance eventually paid them but it still shows as paid/collections in my credit report..can i get that taken off?

Posted on Fri Jul 30, 2010 10:04 pm  

I had a collections account from a bill from college and paid it off in 09 but it was still a negative mark although it was "paid". I did the online dispute from experian and said no knowledge of account and within 1 day it was deleted. Credit score went up 11 point. Worse case they say no, best case its deleted. Pay it off and say you have no knowledge. worked for me.


Joined: 08 Feb 2010
Aaron's page
Posts: 2632

48565 Magic Points

Subject: medical bills
Posted on Sat Jul 31, 2010 11:09 am  

Hi vivian:

Can I know when was the collections entered on your credit report? Moreover, as the insurance company made the payments it was their duty to request the collection agency to remove the negative from your credit report. However, as it is reflecting "Paid", this won't have much negative effect on your credit. With time, the negative effect will lessen too.


Keep in touch Smile

Subject: Account was marked Paid in Full, do I still have to pay?
Posted on Tue Mar 08, 2011 4:05 am  

I sent a check to the hospital and paid my account in full. The hospital marked my account as paid in full. They (the hospital) sent me a letter 3 months later telling me the due to a problem with their bank scanning equipment, my check was not deposited in the hosiptal's account or any other account. The original document was destoryed and cannot be retrieved so the hospital is requesting me to reissue the payment.
My question is do I have to pay them since my account is marked "Paid in Full"?

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