I would like to pay off a credit card debt that I have and get all trade lines removed from CR. The CC debt was a charge off, and is now with a collector, so if I pay them and have them sign an agreement to remove tag lines, the OC can still leave the charge off line on my CR ? If the account was not sold can I go around the collecter and go back to the OC ? Is there a way around this ? Any suggestions would be appreciated. Learby
Hi Learby, Yes. When you have 2 TL's for the same account, (one from the OC and one from the CA) your best shot is to try to go back to the OC and negotiate payment for a complete withdrawal of the account from collections as; "reported in error". This triggers a deletion from the CA too.
