Newbie needs some help.

By them validating,did they meet the legal proof of validation as set forth in the fair debt collection practice act. If they did,you can try to do a pay for delete settlement. You would pay them in full in exchange for either positive reporting or deletion of entire debt off credit reports.

Thanks. I have asked them for a PFD and they said they do not do that, I have asked a few of them too do that and none have agreed. How should I go about that? I dont know if I am doing something wrong or catching them on a bad day, lol..

What is your account status? Is it with the original creditor or with some collection agency? Looking at your post, when you say the debt is validated, I assume it's with a collection agency. If the original creditor has hired this company for collections, you can still pay them directly without dealing with the CA. Talk to the creditor for asking the collection company to remove their negative item. In case, the account is charged off and is sold to the CA, you need to make payments to the CA only. The original creditor will be of no help in that case.

Ok, more info needed. As above, original creditor or collector. On a pfd it is not required for them to do it only a courtesy. You need to research your creditors to take settlement past phone robots to the corp office level. Google each creditor and visit their website. You will be looking for vice presidents or higher email addresses. If it is wrong one,it shouldn't matter as they should forward to correct person. Good Luck and never ever give up!

If you have choice in between dealing with the creditor and the collector, do all that you can and make your payments directly to the creditor. If they are the ones who hired the collection company, tell them that you want the collection item to be removed from your credit report, because this is hurting your scores severely. If this gets done, your scores will immediately jump by 150 points (+ -)

Poster above is correct.Here is something else to wrap your mind around. If collection is a few years old on report you will actually lose a few points because you lose some age on ave tradeline age. :shock: :shock: :shock: :? Fico is a beast that I don't think anyone can understand.

I tried to get the CC to agree for a pay to delete and they said that they cant do that. They just want me to pay them and then they said it will be noted as paid.

What cc company is this?

If the debt is paid will the credit score go up? I have one with a collector, the original company will not deal with me on it now. If I get it cleared up with the collection agency will my credit score go up, the collection agency is reporting negatively to my credit report. Will paying these fools up my score?

fedupinpa paying a collector is still negative to start.With time that account shows paid and gains positive history. If you do pay them ensure to get statement saying account is paid in full.