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chrizma85 · Posted: Wed Sep 24, 2008 5:28 pm Subject: Repairing Credit

Is it possible to have a creditor take something off of your Credit Report after you pay it? I have things that I want to pay and have them agree to take it off permenatly and I plan to have it all in writing also.

Posted: Thu Sep 25, 2008 2:12 am Subject:

That is something that should be negotiated before payment is made. Search for "Pay for Delete".

Posted: Thu Sep 25, 2008 8:16 am Subject:

I didn't know anything about negotiating for things like that, I just paid all my debts in full. Then when I checked my credit a year or so later, and saw all those collections still on there, I disputed them on all of my 3 credit bureau reports, and other than one, they were all removed within a month or so. When you pay in settlement it is a different thing, they typically will not be removed. If I could do it all over again, I would bargain for settlement and a Delete letter, and failing that, would bargain for full pay and a Delete in advance to avoid problems down the road.
Good luck!

Posted: Wed Oct 01, 2008 1:16 pm Subject:

i just recentely settle one 3 accounts. can they actually be removed from my account? or wiil they just appear as "paid after charge off"

since i already made the settlement, is there anything i can do now? OR do i wait ffor the settlemetn paper stating i no longer oww the debt and everything was satfied to send to the credit bureau?

Posted: Thu Oct 02, 2008 8:03 am Subject:

Wait 90 days and then dispute the tradelines. Since they already have their money, they might not verify w/in the 30-45 days. No verification=deletion.

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