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When Credit Agency will not remove paid off debt.

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steffielou



Joined: 05 Mar 2010
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Posts: 1



30 Magic Points

Subject: When Credit Agency will not remove paid off debt.
 
Posted on Fri Mar 05, 2010 8:28 pm  

Hello everyone, I am hoping someone here can help me. My spouse and I are trying to apply for a home loan and one item on the credit report needed to be settled. We agreed with the collection agency to pay a certain amount, and they agreed in writing to remove it from our report after payment was made. We have two separate emails with this info and a receipt of payment.

Well, two credit agencies have accepted the letters as proof and removed the item, but one is refusing to do so, telling our mortgage person (who is helping us navigate this) that the collection agency needs to send them a letter specifically asking them to remove the account and it must have a letterhead (which the current letters already do). It took an act of Congress just to reach someone to settle the debt, and they are not returning our calls. In the meantime, our dispute is now in "research" at Equifax and we are stuck waiting, while the house we want could be sold to someone else.

Any ideas on what we can do now? Is this truly just a waiting game? Do I have to get the collection agency to write another letter? Any help would be greatly appreciated.
cinnamngrl



Joined: 01 Nov 2008
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Posts: 1320



6413 Magic Points

 
Posted on Sat Mar 06, 2010 1:15 pm  

this happened to me with TU.

So do you have a fax for EX?

You do need a letter from the CA. Getting something on letterhead is the usual standard. Also the CA just needs to send an e-oscar message to the CRAs to get this deleted. It should have happened already.

You can keep calling but I would take a few minutes to write a letter to CA and send it CMRRR. Send it to the person you emailed and be clear that your situation is urgent. I wouldn't threaten them, but be clear that you made payments as agreed and perhaps by negligence they have not followed through with their half of the bargain.

How long ago did you make this payment?
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Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: credit bureau not removing listing from report
 
Posted on Mon Mar 08, 2010 6:45 am  

Hi steffielou,

Welcome to this forum Smile

You can send a certified mail requesting a return receipt to the collection agency, requesting them to send a letter to the credit bureau to remove the listing from the credit report.

Hope this helps.

Regards,

Aaron
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