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  1. #1
    Join Date
    Oct 2008
    Posts
    3

    Default Pay to Delete Letter

    My question involves collection proceedings in the State of: Georgia

    So I have some negatives on my credit report that I'm willing to pay in full for a deletion. I'm hesitant to do so because I don't know if I'm heading towards the right direction about this. Do you guys recommend me to proceed or is there a better alternative in doing this.

    These are the companies that I'm try
    United Recovery Service
    NCO FIN/27
    RJM ACQ LLC

  2. #2
    Join Date
    Apr 2008
    Location
    Texas (Dallas area)
    Posts
    1,404

    Default Re: Pay to Delete Letter

    Quote Quoting j30345
    View Post
    My question involves collection proceedings in the State of: Georgia

    So I have some negatives on my credit report that I'm willing to pay in full for a deletion. I'm hesitant to do so because I don't know if I'm heading towards the right direction about this. Do you guys recommend me to proceed or is there a better alternative in doing this.

    These are the companies that I'm try
    United Recovery Service
    NCO FIN/27
    RJM ACQ LLC

    If you pay them in full they will show PAID and NOT deleted. Your FICO scores will NOT increase if you pay them off.

    The credit bureaus will NOT remove accurate information from your reports.

    The only way I can see you doing this is if you contact the collection agency before you pay them anything.

    Get a letter from them saying that they will DELETE the items off of your credit report if you pay them in full BEFORE you send them a dime.

    I hope this works for you. Good luck

  3. #3
    Join Date
    Oct 2008
    Posts
    3

    Default Re: Pay to Delete Letter

    What are the chances of them removing it? It seems like it's very slim but why is it that I see so many successful stories with similar instances as mine. Am I missing something here??

  4. #4
    Join Date
    Apr 2008
    Location
    Texas (Dallas area)
    Posts
    1,404

    Default Re: Pay to Delete Letter

    Quote Quoting j30345
    View Post
    What are the chances of them removing it? It seems like it's very slim but why is it that I see so many successful stories with similar instances as mine. Am I missing something here??

    Your chances are 1% to 2% for them to remove it. However, your chances are NOT zero. You never know unless you try.

  5. #5
    Join Date
    Jul 2008
    Posts
    853

    Default Re: Pay to Delete Letter

    Did you try to request validation from them first?

  6. #6
    Join Date
    Oct 2008
    Posts
    3

    Default Re: Pay to Delete Letter

    Quote Quoting divemedic
    View Post
    Did you try to request validation from them first?
    No I did not. Whats the point if it's accurate? It's there a way to go around it or something?

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