I just spoke to a local credit agency who is a member of Equifax. I told her there were two small dollar items being reported on Equifax and Experian. I told her I wanted them deleted and I would be glad to pay the balance in full. They recently sent complete validation and did not respond to my settlement offer, so I finally just decided to call them. She explained that there was no way in hell that they would be deleted. She went on to say that they must be the only reputable collection agency, because they would not delete even with a letter from the original creditor requesting to do so. I told her that I would pay unless they were deleted and she said 'okay...goodbye'. Any ideas on what to do? I just can't freakin' believe this.....I mean were talking $126.00 total. ARGGGGGGGGGG!!!!!
a) Never do anything over the phone, you lose all credibility. b)Do a search for "settlement" and "Settlement for deletion" you will find a ton of info. If there is anything I have learned is to never let them hear your voice. Letters give them no idea who you are or what you are like. When you talk to them on the phone, you lose some leverage IMO. It is just more official using snail mail. I am no expert so maybe someone else has a better answer?
I started with a validation request directly from this board that has been used successfully by me many times. Never got the green card back, but they did mail validation. They sent copies of everything known to man. I then used the settlement letters from this board requesting deletion for payment. They went unanswered and the lady I spoke to shows no record of receiving them. This process started over two months ago through US Mail and I finally decided to call them and see if it would be simple. What law would they be breaking if they removed the account? Since they are assigned the debt, why don't they have to abide by the wishes of the original creditor?
No law - the FCRA talks about accurate information, but there is no law that says they HAVE to report. Probably because they have their own contracts with the CRA's - separate from the OC. I've read here that some state it is a violation of their contracts if they delete accounts...something about a minimum of reports, etc. Never seen one to tell you if that is a myth as well.
They're just being buttheads. I have a PAID collection that the CA refuses to delete even after the OC told them to. They have verified with the CRA both times I disputed it and validated the collection when I sent them a validation letter. I was so p*ssed at their smugness I filed a complaint with the BBB just to make them justify their actions. I think they're just being jerks because I paid the OC and NOT them. Its been a few months so I've decided to dispute it again through EQU. Its $105 for crying out loud!
