Account in collection: pay for delete request denied

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Account in collection: pay for delete request denied

Postby danthemanwhocant » Wed Jun 25, 2014 12:09 pm

Good Morning!

This may be the wrong place to ask but I need advice fairly quick.

I contacted the collection agency where I owe 125.00 from a medical bill and asked for a pay to delete the one Derog on my report.

They rejected the offer said that they have an agreement with the Bureaus that prohibites them from deleting the collection reporting.

If I make a payment to the account and pay it off, 1, How, if they report that it was paid in full will that effect my credit rating vs deleting the collections remark? 2, will it be deleted by default as its no longer there? 3, will the statute of limitations start again when I make the payment so I will need to wait six years until it falls off?

The state I am in the limitation is 6 years, I am two years into it.

Any help/advice would be great.



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Postby MemberSince99 » Wed Jun 25, 2014 9:45 pm

Yeah, sure they do.

It won't really matter that it was paid except in manual review it will still report as a collection. Deleting it would remove the bad item from your report and help your score and credit.

Nope. It's only coming off if they request it comes off, or you successfully contest it, but it sounds like if you do they will simply say it's "valid" and it will stay.

If you pay less than the amount of the collection, then yes it does restart the clock in terms of them being able to sue you to collect on it, NOT for how long it reports on your credit. If they continue to make it show up on your credit after 7 years, they are violating the law and you would have a legitimate reason to dispute it and to contact the CFPB and file a complaint about their behavior as well as bring legal action against them, though whether that's practical is another matter.

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