Will most places agree to delete if you pay? If so should I have them fax me a letter saying so? I need proof. Should I call them to negotiate pay for delete? Also I am in Maryland and some of these things on our report are nearing the 6 years. Should I pay them or let them fall off? Thanks
Some places will agree to terms of a pay for delete, however, it is becoming more rare due to their contractual obligations with the CRA's. Those which won't delete will tell you it is illegal which is a misrepresentation of the law. If you do get some agreements, try your best to get the terms in writing. Again, you may or may not achieve success here. For the debts that are six years old, I wouldn't pay those insofar as they will (or should) fall of fairly soon anyway. You may consider disputing them now in that they are so old and may as well think about using "obsolete" as a basis.
Thanks for the reply. I am going to try for the pay to delete. Should I mail them a certified letter requesting that or call them and have them fax me a letter agreeing or disagreeing?
Either/or should do the trick. You'd get a faster response by calling but be prepared for questions regarding your finances. Not that it's any of my business nor do I care, but why not dispute these near obsolete accounts and save yourself some money? Just a thought.
