The weirdest thing happened with an old collection. I contacted the CA, who told me this bill was unpaid (even though it said "paid" on my report). It was only for $50, so I thought I would negotiate deletion in exchange for payment & we'll both be happy. Here's what happened: 1) I sent the CA a letter with my proposal. 2) Their attorney wrote me back saying "my client agreed to remove the listing as a courtesty" and "please send the payment". 3) I sent another letter stating "I will send payment immediately upon receipt of the copy of the letter they forwarded to the credit bureau". 4) I received a copy of the CA's deletion letter. 5) I checked my report, and the listing was gone, so I wrote out a check for $50. And--in an attempt to cover my a$$ in case they tried to pull something slick (like get the OC to list it on my report instead)-- I wrote a restrictive endorsement on the back of the check stating that the CA, its assignee, law firm, etc. will agree to permanently delete the listing from my report. (Which they already did, this was just for edification). 6) Yesterday I received a letter from the attorney (with my check enclosed) stating that his client would not agree to the restrictive endorsement! I'm totally confused! I guess they don't want my money! I'm just afraid they might try to reinsert it on my report later on. Has anyone had anything like this happen??
Thanks for the reply QUEEN_BEE. The letter from the attorney said "my client will agree to remove it". It didn't say anything about the OC, and it didn't say the word "permanently" remove it. I guess I'm just suspicious of the loopholes--especially now that they don't agree with the RE...what was their plan? I hate to be cynical, but, hey....I wasn't born that way.
