How do i request the negative item delete from my report             Click here to Print

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#Danny88 - Says,

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 - Says,

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

#Danny88 - Says,

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 - Says,

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

#Danny88 - Says,

thank you so much Aaron
#Danny88 - Says,

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 - Says,

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 - Says,

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 - Says,

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 - Says,

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

#Danny88 - Says,

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 - Says,

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

#Danny88 - Says,

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 - Says,

Hi Danny,

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

Thanks,

Aaron

#Danny88 - Says,

i notice from the estimated delete date is the same before it was estimated delete on 2012 and now is the same.
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