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You know how it is always their word over the debtors

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Joined: 17 Jul 2006
Justin's page
Posts: 1238

28944 Magic Points

Posted on Wed Nov 12, 2008 5:47 am  

Hi Chargers
You should always try to go for Pay for deletion agreement before you pay off the debt. If the creditor agrees to PFD, then the negative listings will be removed from your report once you pay off the debt. But if you do not get this letter in writing then after you pay off the debt, the creditor may not remove the listing and you will have no weapon against the creditor. But if you have the PFD agreement in writing, you can send a copy of the letter to the credit bureaus who will get the listing removed from your report.
All the Best Smile

Joined: 26 Feb 2008
fireyone's page
Posts: 4246

132 Magic Points

Posted on Wed Nov 12, 2008 11:23 pm  

Justin, Lets say that a person gets this pay for delete in long after the debt is paid does the collection agenct have to go in and fix or upate the persons report? Now lets say they don't do anything (collection agency) what is the first step in getting them to deliver their promise to delete?

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

543 Magic Points

Posted on Mon Nov 17, 2008 3:54 am  

I would think that if you send them a copy of the paid in full and a copy of the pay for delete letter then they should be good to go with this. I would give it a shot anyway.
for all the ways I make $$ online

Joined: 26 Feb 2008
fireyone's page
Posts: 4246

132 Magic Points

Posted on Mon Nov 17, 2008 11:56 pm  

I would hope. Thats sems to be enough info and if they do not hold up their end then you can send the proof to the credit reporting agencies. I just was wondering does the debt collector have to validate to the reporting agenciy that they agreed to this? You know how it is always their word over the debtors.

Subject: who owns my bills
Posted on Sun Sep 04, 2011 9:10 am  

I called the original debt owner and asked who they gave/sold my debt to for collection and if I was suppose to pay them. They were nice enough to give me all the different companies and their numbers. I can't take the word of the sleeze who call and harrass me.
Jessica Grigori

Posted on Tue Sep 03, 2019 2:58 am  

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We both wanted to get a home so desperately but got denied twice because of our poor credit score and bad credit history.
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