Hi all, I have been reading these forums and I wish I had found this a few months ago. I had a few charge-offs on my credit report (capital one, target, SECU Visa) that have since been paid off in full. I made the mistake of not communicating in writing through certified mail, so I have no proof that I was offered for these charge-offs to be deleted from my report once the balances were paid in full. They now read as "Paid charge-off" as opposed to "Paid as agreed" or simply removed. I am considering the litigious nutcase letter route, but I would like some advice before going this route. First, should I explore another avenue to have these tradelines removed before I send this letter? These are my accounts so I'm concerned about disputing these as "not mine". Also, can I still try debt validation/verification in the hopes that they no longer have my records? Sorry for the long winded first post. I just want to know how to proceed, and where I should send my requests.
Hmmmm...you're in a difficult position without having the pay-for-delete agreement in writing. Are you 100 percent sure you didn't receive any settlement letter from the CA? How long ago did you come to the agreement? You could always try writing them to request a copy of your settlement agreement now that the account has been paid in full. You really want to have some sort of documentation before you move forward. Of course, you can always dispute it again with the CRAs too. Also, try posting your question again in the main Credit Talk forum. You'll likely get a much better response.
Look for any other inaccuracy or confusion and then dispute with the CRAs. You don't have to give the CRAs any reason or info. They may delete things without looking into it.
If you know the date write a letter with a request to honor the agreement they made when you paid the bill.see what happens with that
