My question is what would be the most desirable and most easily obtainable TL that i can expect once i pay off a debt. Im not talking about the CA's TL because i know i want to get that deleted. my question is more about the OC. Is it also possible to negotiate the OC's TL with the CA or will it just simply say "paid charge off" showing a $0 Balance? Thanks in advance JD
You can only "expect" what the law requires. Which is a "paid charge off" or other "not so nice" tradeline. The collection agency DOES NOT have to delete anything, UNLESS it is part of the negotiated disposition of the account. That's why you shouldnt pay unless it is in YOUR favor, OR you are afraid to get sued
