Credit Clean Up Help
Date: Wed, 02/08/2012 - 14:51
I am attempting to clean up my credit to possibly by a home in the next 2 yrs. I have some medical collections and a old credit account that was sent to collections.
What is the best route to proceed? I had posted about pay-for-delete letters but was advised that collections people arent going to give that. What should I send to them?
Your help will be greatly appreciated.
What is the best route to proceed? I had posted about pay-for-delete letters but was advised that collections people arent going to give that. What should I send to them?
Your help will be greatly appreciated.
If they are reporting accurately, there is nothing you can send
If they are reporting accurately, there is nothing you can send them that will force them to remove the negative information...legally they can report. How old are these debts?
All of them are about 2-3 yrs old. They are mostly medical. Can
All of them are about 2-3 yrs old. They are mostly medical. Can you negotiate for paying a smaller portion and getting them to mark paid in full on our credit?
Marking an account as paid in full when it was settled is inaccu
Marking an account as paid in full when it was settled is inaccurate and they are not going to do it. FYI....a paid in full collection account is no better than a settled account....you do not get extra points for paying an account back in full. In fact you do not get any points period for paying any collection account.