hey everyone I sent a delete letter and didn’t receive a response back because I’m just now figuring out theirs amiilion different Allied collections everywhere. I have no idea which one it is, and myfico does not include the information.
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I only have the first couple of numbers, and no Phone number was given to me.
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Does anyone have an Idea???/
Okay,, here is what I’m still working with. I have a Kohl’s card($100/$500) and a CU credit card($1650/$2500)
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The Baddies…
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Capital One paid off- and assortment of 30, 60 and 120 late payments from may 06-august 07(Goodwill letter to delete account)
Kohls – 1 30 and 1 60 day late from april 2008(goodwill email/letter to delete payments)
AWA Collection agency for AAA So Cal – $133(pay for delete letter written)
Verizon Wireless Charge Off – Aug ’05 $233(pay for delete denied 5 times and counting…)
American Express Charge off – May ’06 $2450(Was offered a deal to pay in full and get a Optima with a $600 limit…Â twice denied pay for delete)
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4 car loans with no delinquencies…
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So, what would be your opinion on what to do first? I have about 2500 I can use for the next 2 months to pay some of this down.
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I appreciate it!
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LamecredÂ
I have a few questions about my credit reports and send a pay for delete letter to creditors. As a note, all accounts are past the SOL and are about 5 yrs old.
1) I have a Capital One debt that shows I had a CL of $4000 and the status is PAID COLL with a Balance owing of $0.00. Then, I have another line that has this same debt with a Collection Agency that has me owing $7500 (with all fees and interest). I think I’m supposed to pay the Collection Company, so if I pay them (and only do it if they sign a letter to delete), will the Capital One line have a large effect on my score with the $0.00 balance?
2) I have a different situation with a Discover debt that just has CHARGEOFF in the Status and an amout owed of $2440. It’s reporting to all 3 CRA’s. But, I have a letter from Northland Group stating they will settle the debt for less than the full amount. Northland is not on my CR. Who do I pay??? The funny thing is another Collection Agency had this debt before Northland and they aren’t reporting either. But Discover still has the full debt on all 3 of my credit reports…
Can someone tell me what to do with both of these situations?
Thanks!