Hi,
In 2008 due to health reasons I was hospitalized and left the country and went back to my home country.
Some how, I called to the HOSPITAL, RADIOLOGY, DOCTORS office and paid almsot USD 3000 dollars even though I am not working in US.
Unfortunately there are two bills are not reported to me, and they sent in 2009 to my previous address and I didn't get them.
Now, I back to US again on some company work. When I check my credit history, those 2 bills are reported to collection from there to Credit History. One is for 320 and one is for 346 dollars, and I called the collection teams and paid them.
Now, i am seeking a help to remove those two entries from my credit history.. How to increase my credit history again.
Please help me.
thanks & regards
Srikanth Veturi
poor credit score
Hi Guest,
You could have requested the collection agencies to agree to a"Pay for delete" agreement before making the payments. PFD agreement is where you request the creditor or collection agency to remove the negatives from the credit report. This can be done only if you pay off the debt. However, the agreement is to be made before the payment of the dues. Else, the collection agencies generally refuse to work with you any more regarding the removal of the negatives.
What you can do is talk to the collection agencies about removing the negatives. If they refuse, you can send in goodwill letters through certified mail, requesting a return receipt (CMRRR). Sometimes goodwill letters work. If the collection agencies still do not agree to remove the negatives, you won't be able to do anything about this.
Can I know if the account status is showing "Paid"? If not, you can dispute this with the credit bureaus. Send dispute letter to the credit bureaus through CMRRR, and attach copies of your payment receipts as proof. Once the account status gets updated as paid, you need not worry about removing the negatives. The impact of the negative remarks will lessen with time.
Thanks,
Aaron
Remove paid collection.
I too agree with Aaron that you could have asked for a "pay for delete" agreement before you paid off your debts. As you have paid off your debt to the collection agency go to the credit bureau and dispute the item in question. But, while disputing, you must make sure that the debt is paid-in-full.
You must also explain them that you want the debt to be removed from your credit report. Wait for 30 to 45 days for the credit reporting agency to investigate and then review your credit report again to verify that the item in question is removed from your credit report.
credit
(Personal thought) I think, sometimes, when I try to 'dispute' things, that the CB's really don't do the investigating, that they are suppose to be doing. The CB's may call the CA's/companies, etc.,..but, (I don't think, anyway) they ask the questions they REALLY need to ask. They just kind of take the 'word' of these CA's, etc.
Disagree with your cerdit bureaus.
If you disagree with the investigation by the credit bureaus, you can ask them to include your statement of dispute in your future reports. Thus, everyone who received your credit report in recent past will also get your statement of dispute.
If you disagree with the outcome of the investigation by your credit bureau, you can also hire a lawyer to resolve your dispute.
Poor Credit Score
Firstly, you can contact with collection agencies and request them to remove this negative item from your credit report and update your account status as “Paid-in fullâ€. After that, you may contact with the credit bureaus and explain them what you want. You can also give them the return receipt, which prove that you have repaid the debt. If you repay debt on time, then your credit score automatically will increase. Always try to remember that payment history hit credit score by 35%.