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
Justin, Lets say that a person gets this pay for delete in writing...how 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?
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
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 Guest
Tue Sep 03, 2019 2:58 am
My husband and I were looking to buy our first home, I own a small business that just took off this year and my husband has a fixed income.
We both wanted to get a home so desperately but got denied twice because of our poor credit score and bad credit history.
My uncle who is a loan officer introduced me to this great hacker (PROHACK NETWORK). He deleted all the negative items, raised our scores, my from 501 to 809 and my husband’s from 387 to 788 in 2 weeks and up till date we still have our scores within 700 - 800.
I just have to do this to show how grateful we are for his skills and fantastic services,
You can get to him via his email as well if you need to: firstname.lastname@example.org or cell (252) 307-3167
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.