Pay for delete letter: Negotiate to remove negative listing

how can charge offs be remove from credit profile?

the letter abovecmentions a $50 certification fee. Shoold I also include this in my letter?

Hi. I called a company called transworld they are a collection company. I offered to pay in full for deletion and they refused. I then ask for the the manager and he also refused

I am wondering if a debt was deemed marital debt during a divorce and a spouse was ordered to pay this debt, but hasn't, how does that work as far as validation of the debt goes? If the court document specifies that the spouse is required to pay certain debts although my name is on the debt can it be removed from my credit report? The reason I ask is that since my name is on the debt it can likely be validated as "mine", but my ex was required to pay those debts; therefore, they are technically "his". I hope that makes sense. Since my lawyer advised that I do not continue to pay on these debts (about 10 months ago) they are obviously "negatively" affecting "my" credit rating. How should I proceed? If you have any insight into this, I would greatly appreciate it.

Q57juD Muchos Gracias for your blog post.Really looking forward to read more. Awesome.

Can you ask credit bureaus to delete debt for which statutes of limitations have run out?

I had my car repossessed. I paid the outstanding amount and my car was returned. Now my account is in charge off status. How can I get it financed through someone else or at least stop it from reporting as a charge off.

Is bankruptcy better than a charge off? I am 5 payment behind in my car loan bc I lost my job. I am behind 1900.00 and they have charged off the total owed of 17,300.00. I Alison owe 900 to a credit card company. That is all of my debt but I have not yet found employment please advise

I paid off my HSBC credit card five years ago and it still on my credit. how can I get this removed from my credit report

My credit report shows that I have an outstanding balance. I don't have a credit card. It is very hard to get a good number HSBC bank. The 1-800-975-4722 does not help me at all. What I need is to talk to a representative.

I have $11,000 dollars Medical/ Collections and $3,000 in other collections. I want to buy a house. If I pay and send out pay delete letters do you think my credit score will improve?

I never knew about the Pay for deletes. I have paid off many bills but they still say charged off. Is there anyway to get charge offs off your credit report before the 7 years?

Hi Carol,
I had numerous surgeries since 2012 which set me back on all my debts due to not working. My lease was paid off in September 2014. Thre years Ago i applied for Social Security Disability Benefits. In March of this year it was confirmed that I would start receiving benefits between 30-60 days from March 6,2015. I have been in close communication with Ally Financial regarding the buy out of my car. This Friday I noticed on my credit report had the vehicle charged off. Which means it went to a collector. I don't want it repossessed, just want to pay it off. What would you suggest that I do?
Call ally and tell them that the money will be in soon and I will be paid off? Or wait until I get a notice from the collectors and negotiate with them the buy out?
Thank you
Respectfully,
Robbie

What could you do if you get the written agreement for the deletion, you pay the amount and they do not remove the item. Im in NC.

how do you handle a judgment from march 2009 from midland funding. I'm currently trying to buy a house.

is any way to remove collection that is ready paid

but that original creditor report that accont charge off

I paid 2 property management companies through the fair outsourcing on a settlement offer I accepted those offer and paid in full the settlement amounts. These items still appears on my credit as unpaid. This information is hindering me from attaining a new rental property how can I get this information justified I have letters verifying payment and zero balances on these accounts.

When sending this letter to the collection agency, does the collection agency remove remove the original creditor's listing from the credit report as well?

I was losing my home due to foreclosure and I had planned to file bankruptcy and so did not pay an amount owed on a credit card to a bank. They sued for and received a Judgment. They placed a lien on my house which was subsequently foreclosed on and now are again pursuing me for the full amount through their attorney. Is there a way I can offer the attorney a Pay for Delete on a percentage of the amount owed to close this matter? The amount is more than I have.

After above is agreed how fast is collect removed from report

My car loan got charged off a year ago. My car was never repossessed. The original creditor sent it to a collection agency, then to another collection agency. I was told that a charge off can't take place if I still have possession of the vehicle and legally it can come off my report. I want to ask for a settlement pay off so I can have the pink slip from the original creditor, not the collection agency through an attorney. Is this a good thing to do? Also, when charged off the amount was $10, 639 and the changed to $11, 369, which I imagined was an added repossession charge of over $600, for a vehicle that the original creditor didn't repossess.

hi I recently pulled my credit report only to find that the collector that I had an agreement with that if I paid off my collection they would take it off my credit report had not done so is there a letter I could send them asking them to sill do so

I sent my DV letter Carol. so do I just wait for the collection agency?

When you pay off an outstanding account and they agree to delete is how much does your credit score raise.

Hi Carol,

I want to pay off all my debt, student loans, credit cards, and all.
I had personal issues, and did not want to be liable to pay for things I sent a former partner of mine money so those bills can be paid. I am ready to pay everything off, I just don't want to have everything on the credit report because I honestly sent money to have those things paid. I was 18, and too young to understand everything about credit. I have everything I need to settle all my bills, but I just want to know the best route to take.

do these work. have they worked for you. give me tips on fixing my credit.

I received a judgement for a medical bill that was reported in 2010 for $480.80. I am a retired school teacher and cannot afford to make full payment. I responded to the judgement and to the lawyer explaining my situation but is willing to set up a payment plan to pay 25% of the bill. I can't afford to hire a lawyer...please advise.

what to do if an agency is not willing to work with us

Around a year ago I was looking into the many different ways I could gain financing to purchase a home. Unfortunately, I did not realize until too late each request for financing resulted in a hard inquiry on my credit report. Since I never proceeded with financing (no sale), can these inquiries be removed from my credit history, and if so, how long after they appeared, with no sale involved, can I petition for their removal?

I spoke to a medical collections company. about a pfd. and they said they don't mail out letter for Pay for Delete, but they said they agreed to do a Pay for Delete and the conversation was being recorded. Can a recorded conversation stand proof that they must do the pay for delete if the payment is made. We both live in Alabama, where it is legal for us to record

I made an agreement with a collection agency to pay off balance, we did all in timely matter, less than a year, they promised that this was not going to be reflected in our credit , but when we finalized payment they when an report to credit bureau anyways. How can I fight this back? Thank you

I have had bad debt for a while now. I went through a bad divorce moved and tried to start over. I thought I was on the upswing but got sick had medical bills and it just never occurred. I have since been out of work for two years and was granted SSDI. I have a small amt. of money coming to me and want to fix my credit so I can buy the house I live in and feel secure and settle. What is the best way to get this done. How long does it take to get my score up? I am current at 536 :>(. Thanks for any help you can give.

Debra Pierce

The lender placed a charge off on my automobile after 90 days past due. The payment history clearly shows that I was not. I contacted the lender to ask for it to be removed. They have refused. The lender never contacted me about the charge off yet they say that they have logged history of calling me and mailings. The address they mailed to is an old address from 3 years ago and my invoices are sent to my email address.

Since the call, I was told that my account where it was current is now 89 days past due because they (SANTANDER) discovered that they had aged my account is error. My balance has not changed since making payments over the last 9 months as every payment is going towards interest. According to them, it is because I have yet to be current on a payment even if I make them within that month and because my loan is a simple interest loan everyday interest accrues and is doubled or tripled for the months that I am behind. I do not see a way to overcome this.

Yesterday, I filed bankruptcy as I do not see any other way to get from underneath this awful loan from SANTANDER. I have 30 days to confirm the bankruptcy but really do want to save my credit and the car.

Any suggestions?

what is the best method to get a creditor to remove a charge off/paid less than balance and late payments in 2011, trying to get a refinance and this is only negative mark

Good morning Carol,

I don't know if you can help me solved this problem on my Credit Bureau.

Last year my ex husband stop the mortgage payment on our house while he was living there but I was not. I called the Bank of Montreal try to explain them that in my (Divorce) paper he was responsible until Jan 2016 to pay the mortgage every month. I have faxed them all copies of my Divorce paper to try to remove them (creditor) from my Credit Bureau, they refused...Can you help me, thank you

Regards,

Lucy
Email address: rainbowindigobleu@hotmail.com
I tried to registered with Creditmagic and its not working. I am giving you my email address instead.

Hi Carol,

I am trying to get a pre-approval for a home. I noticed on my credit card many of my debts have been paid. I was informed some debt must stay for 7 years. Can I still write the original creditor and ask them to remove the debt? I only have 3 major bills and are current. I have college loans in deferment due to obtaining another degree. Please advise.

Thank you.

Antonia

I have a recreational vehicle financed through Santander and fell behind in payments a few years back. They threatened to charge off the vehicle and repossess if I didn't bring my account current. I paid the balance owed to become current. I then saw on my credit a charge off for the vehicle but I am still paying on the loan and the vehicle has not been repossesed and is not out for repossession. I called Santander and they said that it was charged off but they let me keep the collateral as long as I pay the loan. This is ruining my credit and I don't understand how are agreement was broken. What do I do to get the charge off reversed?

what is the fastest way to remove a medical bill that is 2 years old in the amt of 1900.00. i cannot afford to pay it off all at once, but i need if off asap to purchase a home

i notice that the letter stated that i you dont admit to the debt. what if i did admit to it already verbally (since all calls are recorded). but the debt collector still agreed to delete it. would this still hold up?

Hi,
I am trying to get a mortgage and when my credit was pulled I saw an Advanta charge off account. the DLA is 06/2010.
lender wants me to have removed or paid.
Since the statute of limitation is expired, what is the best way to have this removed?
I was thinking of a pay of delete? The amount that is owed is 1305 but they said they will settle for 520 and mark it as settled in the credit report.
should i go for this or try the pay for delete?
Advice is appreciated!
thank you!

How can remove the charge off account

Hey carol so if i owe 3000 in a tmobile phone company inpay the bill and send this letter and send money fpr a pay for delete ?

How do I remove paid debt off of my credit report?

Hi I have a account that I was willing to negotiate with the collection agency but they won't agree to give me a deletion what should I do? I did do this verbally not a written statement.

how can I remove a late payment and account that is close but have balance and is reporting as negative

Hello my name is Kaleigh and currently i'm trying to repair my credit. i'm really confused as to the best route for me to take because i keep hearing that paying the actual accounts that are in collections are not helping and could potentially hurt my score. with that being said, what would be the best course of action for me to take. thanks

Last payment on my car was 2013. I tried to update my credit report, and 4 years later they turned the debt into a charge off. Is that within the statute of limitations in California? I thought they only have 180 days to report a bad loan as a charge off from date of last payment. Please clarify?

hi
i m ready pay of to many creditor but sill in my
credit report open how i can remove it from credit score