Hello, I pulled my credit recently and found that there are two records from the city of San Diego. They both say: Late Dates: CHGOFF-6/2003 AMOUNT IS CHARGED OFF AMOUNT UNPAID BALANCE REPORTED AS LOSS BY CREDIT GRANTOR GOVERNMENT MISCELLANEOUS DEBT There are no other 30 60 90 day marks or anything else. There are two of these for a grand total of about $230 I actually contacted and spoke to a supervisor of collections a few days before I found this website. I wish I had found it sooner. He said that even if I paid the money that they would only change the status to PAID. They would not remove any negative information even if I paid first. I realize now that I probably lost some leverage by contacting them. Could they update the accounts now and show all the 30 60 90 day lates, up to this current time? These two accounts were parking tickets that a friend got when he was using my car. I never knew they even existed. So I run my credit and they show up. So I contacted the collections people. I have no problem paying the money, thatâ??s really not the issue. My question to all you credit gurus out there is what can I do to get this off my credit? Thanks in advance to those who help. Matt
you are stuck with them. i have had people come in to where i work with perfect credit. I mean credit cards with 20k limits mortages for 500k the whole nine but they live out in pacific beach and have about two pages of tickets that show up as charge offs. the reason they wont remove it is because the city mails you out a notice telling you that you owe the money and gives you dates so if you dont pay by a certain time they will report it. so as mentioned above you are stuck with it
I must disagree with the post above. I had a similar incident, and I had the item deleted. I started out by contacting the City collections dept directly. They then sent a letter informing me of the amount i owed. I sent a settlement letter. They sent another letter saying they do not negotiate. I went up the line....one by one...until i finally sent letters to the City manager and the assistant City attorney. Basically my letters were that 1) I had no idea of the ticket, 2) I wanted to pay in exchange for deletion, 3) County policy should be to maximize revenues for the city instead of reporting negative info. As i climbed the bureaucratic ladder, i cc'd copies to ea of the subordinates. I even got one reply that the original collector was recieving additional "coaching" for his rudeness and threats. At any rate...this went on for several months before the item was deleted. Send me an e-mail and i'll forward copies of the letters i sent. Good luck... Carl xbleisch@sbcglobal.netx just take out the x's at the beginning and end of the address...
Thanks for the help guys. Free Agent - you have mail. Does anyone have any thoughts on whether docs LN letter would work for this situation, if I were to pay the tickets they are reporting and fallow up a month or so later with the LN? Again, thanks to everyone that contributes to this forum. The information here is invaluable.
