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Discussion in 'Credit Talk' started by jezy, Sep 27, 2003.
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Let me understand you-- You have been unable to have these accounts deleted? and now you want to pay a "settlement" so that they will go back on as paid collections?This will cement them to your reports, the unpaid balance will be sold to another CA who will then report them anew.
What I would like to settle are not charge offs, but two doctor bills. I have not been able to get these deleted, and they are listed as open. I was looking for a settlement letter that included something about once they are paid, it will be deleted, considered paid in full and not sold to another CA?
I've only had one experience in this area - dentist bill went into collection for the overwhelming sum of $58. I called them and negotiated - it's all documented in my post on http://consumers.creditnet.com/stra...threadid=51784&highlight=dentist+deletion+$58
It may not be the best approach, but I just called them and negotiated. Got the pending deletion in writing (fax) and paid it that day. Ta Da!
Re: Re: Ready to settle
You may wish to try the telephone method as described, however, if you wish to be reasonably SURE to get them off your report, go to my website and look for the "Letter To HC Provider"
Re: Re: Ready to settle
I had success calling the Dr.'s office and offering to pay if they would recall the account and delete it from my report. I would not speak with the CA, but the records department at the office.