Mortgage and Insurance

(No, this is NOT an advertisement of ANY kind!)

 

I would like to share a short story with you all.

 

If you look at my signature, you may wonder how in gods name, over the course of TWO WEEKS, my EQ can SKY ROCKET 100 points, my TU raise 40+ points…

 

…I didn’t hire any special lawyer.

…I didn’t go to a “Credit Fixer”.

…I didn’t start obtaining new credit and suddenly paying everything down big time.

…I had two Collections on my account!

 

 

…..so now I come to my “secret”.  

 

For those individuals who have fully paid a collection agency recently (within 12 months) or awhile ago (1yr +), you’re probably well aware of the fact that your credit files reflect “collections” which have probably destroyed your credit rating…however, here’s something that I’ve told several people locally that shocked them:

 

YOU CAN CALL THOSE COLLECTION COMPANIES DIRECTLY AND ASK THEM TO REMOVE THE COLLECTIONS!

 

You read that correctly, and that’s exactly what I, myself, did. 

 

I had two collections, one of which was paid in full several months earlier that stayed on my report, another that was still outstanding.  I called the outstanding collection first and paid right over the phone.  After having successfully paid I told the agent: “Listen, I want to make things right, so i’m paying this debt that I owe, thank you for receiving my payment.  Listen, i’m in a rebuilding stage and i’ve finally got myself over the hurdle of calling YOU to pay rather than you continuing to call me.  I am finally on the verge of standing on my own two feet.  I need your help.  Can you please remove this collection from my credit report?”  It must have made that agent feel good because after a brief hold, he told me that it would be off in 5-7 business days.

 

…AND IT WAS GONE within 7 business days!

 

I called the other, pleaded the same and IT WAS GONE TOO!  

 

Honey wins, vinegar loses.  Remember that please!   The moral of the story?  There’s credit-life after credit-death.  Don’t write yourself off by saying “crap!  this is now on my credit for 7 years!”  It doesn’t have to be! 

 

I hope that this breathes some life into some people here.  I’m sure that you guys are very knowledgeable to this kind of stuff but I wasn’t and with that said, i’m hoping that this story is read by another individual who wasn’t aware either and they can try for his/herself with some success .

 

Thanks for reading guys.  As you can see, my FICO increased DRAMATICALLY after talking nicely to the agents and getting the collections removed.