Need some advice on getting paid in full accountds of my credit report
Date: Tue, 08/25/2009 - 07:20
Amount Paid in Full / Original Creditor / Collection Agency
628.00 / Orchard Bank (HSBC) / First Financial Assets
560.00 / Capitol One / Capitol One Services
1238.00 / Capitol One / NCO Financial Services
537.00 / First Premier Bank / First National Collection Bureau
402.00 / First Premier Bank / Academy Collections
Any help on how to get these off would greatly be appreciated.
Also I had an account with Rewardzone Mastercard (HSBC) that had a balance of $812.46. The account was given to Tate & Kirlin Associates. I agreed to settle for 528.10. T&K then sent me a statement showing a balance of 284.36. Wasn't sure how to handle this. Again any help is appreciated
Thanks,
Treenor
you need copies of letters from those agencies listing the origi
you need copies of letters from those agencies listing the original account and stating that the account is paid in full. you you send that letter to the 3 cb's so they can update their records.
for the latter - did you have the offer in writing?
When dealing with any CA always be sure to get the settlement ag
When dealing with any CA always be sure to get the settlement agreement in writing stating the debt will be fully satisfied with a small lump sum payment. It sounds to me like you paid T&K per agreement but now they want the rest. Did you get it in writing?
A simple inquiry to all three CRA's along with a statement showing the debt was satisfied in full should be enough for them to inquire on the debt from there end. While the debts may not be removed they will at least show up better on your CR as paid vs. delinquent.
Unfortunately I did not get the agreement from T&K in writing..s
Unfortunately I did not get the agreement from T&K in writing..shame on me, I'll have to deal with that.
After I receive letter's from the CA's stating that the account has been paid and the item's are updated on my credit report, Is there a way for me to have say for exmaple Capitol One update their records to reflect that the account was paid? Or will that always say that it was charged off as a bad debt.