Possible to delete "paid" collection accounts?

how can I get this pay for deletion agreement, or do I make up
one.

How many points does a paid collection account gain you when you pay it off versus when it showed as not paid collection account? I am trying to figure out if it makes your credit score higher?

This is a great thread... One more important question.

What exactly is the date that starts the timer on the 7 year long discrimination for a paid collection/charge-off?

Does the clock start ticking on the date that the collection account was purchased by a 3rd party or does the clock start when you pay off the debt? If both, does the latter reset the clock?

i have credit card debt... i have been turned into collection... i paid the collection agency... Question the original credit cards will continue on my credit report (neg.)... So i should have never paid because it will still be on credit report????

Stacy - if you pay your collection account without arranging with the company that owns the collection to remove the item from the report then yes, it will remain there hurting your credit score for 7 years. I learned the hard way.

So demand, and get in writing, that the item be removed from your report as part of the terms of your payment.

Just wanted to let you know that when you pay off a debt it raises your score 30-70 points depending on the debt. I found this out through one - investigating online and two- talking to a creditor. The only way to take it off is to dispute it after its paid and sometimes they won't respond since it is paid and it will automatically be removed or have it in writing that they will remove it once it is paid. If it is not removed, even though your credit score has been raised, it may still affect you in getting loans, etc because it will still be on there as an adverse account , it will just have a zero balance.

Cinnamngirl: What exactly is a 623 and where can I fine the template? I looked through your links and could find no reference to 623.

Thanks again

before i found out about the pay for deletion letter, i paid a collections account. Then i disputed it with the credit reporting agy. and they deleted the negative. the company was afini try it and see

what is 623 letter? Can you send me a link plz?

Has anyone had any sucess with pay with deletion working. What tacticd did u use to get them to do it. Thanks guys!

I have one paid collections account that has been reporting since 2007. This account claims that I've paid however I've never paid on that account, I've actually submitted this through bankruptcy. Should I let the account sit as a paid collections or request deletion since account has not been included in bankruptcy.

There is a VERY simple way of getting paid collections removed from your credit report. PLEASE do not think it's not possible. If you've paid your collection and the item remains on your report, go to the credit bureau and dispute the item that has been paid. It's a good chance that the collection agency has purged your record and therefore will NOT verify a dispute investigation from the credit bureau. If the credit bureau doesn't receive verification from the collection agency in thirty days, they are obligated by law to delete the item from your credit report.

This is the only recourse to get paid collectons removed, but totally worth a try. Especially entries that have been on a report for years. This works 90% of the time and the percentage increases the older the account gets. GOOD LUCK!!!

You can actually write a letter to the creditor, keep a copy and receipt from you fax. You should definitely call and get a name to send it to before (c/o) and call that person back after to make sure they received it. Once they have acknowledged receipt, note the person's name and time and their phone extension (if available). Call once a week, for three weeks and check their progress. If you hear nothing or receive nothing within a month, contact CRA (Equifax, Experian, and TransUnion) and let them know what you've done and the outcome. This is essentially what your fax should ask: (1) For proof of the date the account was opened; (2) For proof of the date the account became delinquent; (3) How many billing cycles it was delinquent; (4) When the delinquent account became current and/or paid off? If they do not have dates and proof of these things, you can get them knocked off of your reports by the CRAs. Good luck!

I have a judgement in my previous (married name) that was improperly served 6/2009. Is it best to first write directly to the lawyer w/default judgement and ask for validation of service of papers to what address and so forth or go to the court pay the money to try and get it dismissed?
I also have a few collection accounts in my previous name, when writing letter of validation request should I just put my previous name or my current legally retaking maiden name?

I had like 4 paid collection accounts (3) were less than $100 and (1) was like around $500.. After about two month I'm happy to say that atleast two were magically removed. I must say had I knew about the pay to delete letter before hand I would have asked the CA to agree to remove accounts before I paid them off..Your never to old to learn a lesson lol.. I was also told that paid closed accts. stay on your credit report for 7 years...Lucky me I guess...Have faith... anything is possible

God Bless

You write a letter asking them to remove it. I used a sample from credit repair for dummies.

I had 7 collections accounts on my credit report (from my "young and dumb" days. I eventually paid them IN FULL, not SETTLED. There were no agreements to have accounts deleted prior to me paying them. I wrote them a letter. I sent that certified mail so that I knew someone had received it. Within 2 months (or less), 6 of the 7 accounts "disappeared" and I started getting letters informing that accounts were deleted. ALWAYS keep those letter for AT LEAST seven years after removed. My credit score went from very low 600's to today 710 in a short amount of time. Although I cannot promise this will work for you, it's worth a shot and it's cheap (postage was the most expensive).

I've included a template and I hope this helps. Good luck!

What happens when the account drops from your credit score? Do you have to pay or can you just forget about it?

A Town tricked

of course, The details website are salacious. Aren they habitually? in cases like this, We have a dance fitness gym allegedly fronting a small town prostitution ring with the paid for sexual encounters being videotaped, no less. (to blackmail, presumably?) properly as, your client list reputedly includes doctors, solicitors, A television character, police, And some well known members of the upscale Kennebunk community. Salacious to be sure!

that it or not, It sergio garcia, Anthony Wiener, Eliot Spitzer, And very much other sexually misbehaving public figures all over again. and additionally, As popular, We find by themselves asking the same basic question: What were these men worrying? typically, These men weren idea. particularly, They weren fully engaging their prefrontal lobe you may anticipate the potential negative consequences of their behavior before acting out. That much is apparent. Why else would a normally intelligent, helpful, Civic minded community leader put at risk his marriage, level of popularity, health condition, particular predicament, careers, And to know what else? A few minutes of sordid sexual satisfaction isn worth all that trouble. The neurochemical pull of fantasy based arousal creates in them a brief and false sense of protection, wellbeing, as well as,while invincibility. merely put, They don anticipate to be caught. Once started down the sexual path these individuals result in an escalating, extremely impenetrable emotional where, In immediately after, Little but the sexual fantasy/behavior number.

subsequently, may be men engage in an extensive process of minimization and denial, Telling themselves many lies to justify their behavior. Most of these lies boil down to this short themes:

It is an evolutionary imperative for men to sleep with as many women as possible. thereby, I only doing what a guy is supposed to do.

My marriage is lacking because (Insert any excuse imaginable here), And the only way I ever get my needs met is to find sex outside romantic relationship.

how much my wife/spouse doesn know won hurt her, So I in no way doing anything wrong.

absolutely, Married men who choose to cheat are purposefully ignoring the resolve forpersistance to monogamy they made when they took their marriage vows. They elect to effortlessly forget that, in the final analysis, All we obviously have is our word. And they also seem oblivious that if they engaging in an outside relationship, They not at home developing their marital life with their wife and kids, Creating the love and intimacy that all everyday people need, need, And flat out deserve. So even if their wife and kids don understand specifically what these men are up to, They do know that the men are large numbers of distant from their responsibilities as good spouses or fathers. regretfully, It is the lies the double life and emotional unavailability that hurt a family nearly as much as, If not more than, Any specific act of sexual infidelity.

more often than not in sex scandals that become incredibly public, As has true in Kennebunk, We encounter on tv liberal and wildly uninformed use of the term addiction. in fact, The all those who find themselves at the center of the affair attempt to throw the term around as an excuse for their bad behavior. because, Having an illness sounds much more acceptable than the actuality that one may truly be a jerk.

to put it accurately, of course, A sexual addiction diagnosis is not in any way meant to off the hook or excuses to the men (and girls) Whose sexual plans and cheating have caused harm to self, loved ones, personal, And site. furthermore, A diagnosis of sexual addiction is not an easy route to avoiding decline of unlawful behavior (e. g,together with prostitution, breach of privacy, And the alternative transgressions seen in the Kennebunk scandal). Sex lovers are, Under all concerns, with regard to the hurt and loss caused by their sexual acting out. period of. No exclusions. Just as an intoxicating, Once identified, Is trustworthy (lots more so than before) For his/her behavior and its effect, Sex addicts are also accountable for their hurtful behavior and its consequences.

We have no way of knowing at that time how many, If all of the, Of the consumers enmeshed in the Kennebunk affair are sex addicts (Persons with may well, Self harmful patterns of sexual acting out). Certainly you will engage in ill advised sexual behavior without qualifying as slavic ladies an addict, And the cool thing is that most of the involved in the current situation fall into this category. without a doubt, These men are in all likelihood somewhat narcissistic, Brazen, Self eligible, And callous about their lustful acting out, But that doesn make them addicts. you should for the media and the public (And physicians) To recognize the big difference between cheating or having an affair and truly being sexually addicted.

on the other hand, It seems likely that at least a few of people involved are people for whom sexual fantasy and behavior has become a life priority, Causing them to look beyond your spouses, little ones, shut friends, position, good health, investment, And even their standing locally to seek out anonymous/casual sex. These unfortunate individuals have learned over time to use sex as a way to fulfill and soothe their emotional needs, Using the excitement of the new sex to reduce anxiety, anxieties, And depression symptoms. They are fantasizing about and searching for sexual encounters to the exclusion of other pressing life priorities. For these people young and old, Experiencing severe negative life consequences as a result of their sexual behavior is, in time, no surprise.

often times though, A whole lot of likely trusting wives and girlfriends in Kennebunk are about to discover their man has been unfaithful, Perhaps often. For these older women, It will be the betrayal of interconnection trust that causes the deepest sense of pain. And the pain they are experiencing is indeed profound. in, recent studies show that wives, After unexpectedly advantages of a husband infidelity, Oftentimes experience acute stress symptoms similar to and characteristic of ptsd not so surprising when you consider their entire world has just been turned upside down. One has to wonder how much worse this trauma will be in the current situation, With the transgressions plastered on the news.

more often than not betrayed wives (And friends) Are angry not simply with the men, But with on their own. They wonder if, Only I been nicer to him/better in bed/thinner/etc, He wouldn have inked this. usually they turn to alcohol, unnecessary eating, addictive exercise, purchasing, Or other essentially self destructive behaviors to dull the pain. at occasions a woman will even back to get even, Only to hate herself later for it.

Another common response is to blame harlot, in this case Madam Alexis Wright. In this way the cheating husband/boyfriend can be seen as an innocent victim of someone else greedy behavior. Cheaters are very happy when this takes place, As it lets them off the hook. in fact,in actuality, though, Branding an additional woman with the scarlet letter of adultery helps no one. And the person, Having away places, Is likely to engage in more of the same behavior down the line, predicting the same results.

dependent or not, unquestionably the men (and some women) Involved in the Kennebunk scandal and their loved ones need compassion, recognising, empathy, And emotional support if they are to healthfully advance. For individuals who're sexually addicted, Specialized individual treatment methods are needed, Perhaps in an inpatient creating, followed by and/or followed by group therapy and 12 step recovery. all of those other men can use the experience as a growth opportunity. the fact is that, For individuals who're married or in long term partnerships, Even when experienced therapists are extensively involving couples committed to healing, Some of the pairs won be able to regain the mandatory sense of trust and emotional safety required to make it together. For these the whole family, Therapy can help people involved to process a long overdue goodbye. Helpful resources you can find on numerous websites, your Sexual Recovery Institute, The ranch, And It cheating.

happily, The betrayed women of Kennebunk can help by themselves by helping each other. Since so most of them are having the same basic experience, They can band every to share their thoughts and feelings, Cry on and/or provide a knowledge shoulder, and generally be supportive of one another. Rather than smiling and looking the other way when they see one another at the grocery store, jointly stop and talk, receive meet for coffee, And maybe even form an organized support group. They needn go through this.

Robert Weiss phd, MSW

Robert Weiss phd, MSW is an expert in dealing adult intimacy disorders and related addictions, especially sex/porn/relationship addictions along with co occurring drug/sex addiction. A clinical sexologist and learning psychotherapist, medical professional. Rob frequently serves as a subject material expert for major media outlets including CNN, HLN, MSNBC, use,The texas Times, The new jersey Times, and furthermore NPR, a few.

a skilled clinical educator, medical professional. Rob routinely provides training to experienced therapists, medical centers, Psychiatric others, And even the US government. through the years, He has created and overseen nearly a dozen high end addiction and mental health treatment facilities over the world. for more info or to reach Dr.

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With smart dataphone dating apps

soaking in the stands at Dodger Stadium, Steve Bergmann began testing nearby women he might hit on. But his eyes weren scanning the seats they were fixed on his mobile.

Bergmann tapped into an app that uses GPS to locate prospective dates nearby. He scrolled through photos and kinds till one young woman caught his eye, Then shot her a quick message. one-half hour later, Bergmann and megabites Riely, Both 25, Were sipping beers each and every at a concession stand.

Was one of the nearest girls in my vicinity, And her photography was pretty cute, stated that Bergmann, a personal wealth manager. I sent her a message about the game and in a nutshell tried to be as charming as I could. This is courtship in the smart dataphone era, Driven mainly by photos and area.

About a dozen smartphone apps allow people to plug at sports events, departmental stores and other public places, using the same location based technology that tells you about a traffic jam ahead or whether there a sale on jeans at a store you are walking past.

supporter say it simply a modern answer to that age old question: i'm looking to meet someone?

Whole point is to ease real life meetings, Said alfredia Wiklund, Founder and leader of Skout latamdatereviews.wordpress.com Inc, The san diego company that makes the dating app used by Bergmann and Riely. Takes a considerable amount of courage to just walk up to someone. there are lots of good icebreakers. Grindr, geared toward the gay market, said hello has 1.8 million readers.

Most of these dating apps are free and work a comparable way. People download a questionnaire and set up a profile that includes their photo, Their interests and the person they are looking to meet.

The apps are showing supported and offer added services for a fee. members to Are You Interested? can pay $1.99 a month to decide who has browsed their profiles.

Don like the thought of being approached in the grocery store without their makeup on, suggested Mandy Ginsberg, us president of Match, Whose buyers tend to be in their 30s and older.

Users say there could be a sleaze factor. Crude messages from a stranger are always annoying, But they may be downright unnerving when that stranger is lurking nearby.

Miller takes tips by opening the app only at large events, Such as live shows or Lakers games, with sufficient of people around.

Just have to be smart and not meet anybody in a dark parking area at night, She pronounced.

to a new, It one more example of our diminishing privacy. we already have digital records of where we shop, What we buy and where we go and these days there a database of where we hunt for dates.

Apps are another way from the driver's actions could be collected about people without their consent or even knowledge, claimed Lillie Coney, Associate director of the Electronic Privacy important information Center. These apps know that I a single woman purchasing a nice, Single guy in my age range, That info could be sold to a third party and used to target promotion at me. Perez was managing at a Wal Mart in Anaheim, Calif, When he received a text, because of Grindr, caused by Garcia. The app informed Perez that Garcia was 2,000 feet away from you.

After a flirty discuss their mutual interests, The two went on a date that night to disney land.

Not into hookups and hanging out, recounted Perez, From what lies now their shared home in Long Beach, Calif. find someone on my level was one in a million. rhode island based company offers a premium service, Grindr Xtra, that will for $2.99 a month allows users to detect up to 200 users in an area. deals are going to service limits it to 100.

representation Brooks, A consultant to online online dating services, Said premium levels could eventually be a significant source of income for the apps. right now, he was quoted saying, Can charge much for memberships because must be waterproof reach a critical mass of users. Dating apps are often resulting from brief flings, A trait that might discourage the lovelorn from using them.

Myanmar court rejects Reuters correspondents Wa Lone

YANGON, Myanmar Myanmar's High Court rejected Friday the appeal of two Reuters journalists jailed last year on charges of violating the country's colonial era secrets law in a case that has drawn widespread condemnation from rights groups, Foreign governing bodies and media watchdogs as an attack on a free press.

Wa solitary, 32, in addition to the Kyaw Soe Oo, 28, Were sentenced in September to seven years in prison by a district court after a months long trial in which a key prosecution witness admitted in court that their arrests were a setup. The two journalists were reporting on the position of Myanmar's Rohingya Muslim minority. far more 720,000 Rohingya have fled violence in great britain.

High Court Judge Aung Naing called original conviction a "most suitable ruling,

as Zaw Aung, The lawyer for two men, Said away from the courthouse, "The judgment is very dissatisfactory, Not just for the correspondents, but for the rule of law here, Neither of the defendants attended the beginning.

Reuters publisher in chief Stephen J. Adler described the ruling as most current injustice visited on the two men.

The families of jailed Reuters reporters get through the High Court ahead of the ruling in Yangon on Jan. 11. (Ann Wang/Reuters)

"They remain behind bars for one reason: Those in power sought to silence the truth, He said in your firm stand out. "exposure is not a crime, And until Myanmar rights this serious wrong, The press in Myanmar is not free, And Myanmar's resolve forpersistance to rule of law and democracy remains in doubt,

Friday's decision came despite substantial program pressure. During a mid november meeting in Singapore, v. p,second in command Pence pressed de facto leader Aung San Suu Kyi multiple times about releasing the journalists, in White House officials. Embassy while in Yangon. "A free and independent press should be protected in any democracy,

Maja Kocijancic, the ecu Union's spokeswoman for foreign affairs, Said the court's outcome was a "problem to media freedom,

"The ruling casts serious doubt over the diversity of Myanmar's justice system, She told. He would most likely need the blessing of Suu Kyi, Who is barred by the constitution from serving as president and instead effectively leads the costa rica government in the role of state counselor. She has previous defended the jailing.

Zaw Htay, A spokesman for the us govenment, Did not immediately respond to ask for comment Friday.

"it is rather sad, known Chit Su Win, Kyaw Soe Oo's girlfriend. "We were even hoping to go and see them at the jail as long as they were released today,The two werechargedwitha violation of the state Secrets Act. Press freedom groups and activists say it is still used to muzzle independent reporting in the Southeast Asian nation, even though military rule has given way to a quasi civilian government.

Violation of the law carries just around 14 years in prison. during the time of their arrest in early December 2017, The two were revealing on the massacre of 10 Rohingya Muslim men and boys in a village in Rakhine state on Myanmar's west coast.

Suu Kyi, A Nobel Peace treasure laureate, Defended their prosecution last year, saying that the two "Were not jailed basically because were journalists" And that the ruling started an "Open ct, The decide, regardless, Wrote in his verdict that the two were owning sensitive documents only because they were working as reporters.

overcome Htein, A confidant of Suu Kyi and a senior member of her politics party, Said he thought the case was a setup, sales calls it a "simple trap,

police officers asked the Reuters journalists to meet them on the night of Dec. 12, 2017, quickly as they were handed rolled up documents. right after they left a restaurant where the meeting took place, The two known, these folks were stopped by other officers, accused of obtaining secret documents and detained.

through the trial, One police officer involved in the arrest told the court that he had inexplicably burned his notes about the event. But the most damning admission came when a police captain testified that he was directed by his superiors to trap Wa Lone. Captain Moe Yan Naing was later sentenced to prison for violating the police ukraine women force's disciplinary code and remains incarcerated.

open air Myanmar, The two have been hailed for their reporting, Which detailed confirmation linking statesecurity forcesto thekillings in the village of Inn Din. The massacre was part of a larger crackdown your Rohingya, A campaign that united nations investigators have said had genocidal intent.

the military, Which remains sound political force in Myanmar, Sentenced seven soldiers to 10 years in prison with hard labor in April her or his roles in the massacre.

The two journalists have won numerous online awards for their reporting. lately, They were named along with other journalists as Time magazine's Person of the Year for 2018.

interior Myanmar, while the Rohingya are a largely detested minority, the response has been at times less favorable. The two have been accused of betraying the and labeled as traitors.

A small group of fellow journalists and activists has staged periodic protests and is constantly on the call for the release of Wa Lone and Kyaw Soe Oo.

"It is not just that they're in jail, shown Maung Saungkha, A poet and acting director of Athan, An activist group that advocates for freedom of reflection. "It is the press freedom of the us that is in jail.

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