I had a Suntrust bank account charge off a few years ago. I needed the account number for updating some investment information. I actually had to call the bank my account number. While talking to them I asked the rep if I were to pay back the balance in full if my account would be retracted from the collection agency. She stated that if paid in full all they would do is simply contact the collection agency to make them aware my debt had been paid in full and my account would then be listed as a paid collection. Is that possible since I’m not dealing with the collection agency and paying the bank that they work with the collection agency regarding my account? I have no desire to pay the collection agency unless I can work out some type of arrangement with them. I don’t have a whole lot of money but am looking to pay off debts starting with the small amounts and easiest to remove first. I actually have a library collection on my credit report, hopefully that won’t be on there for 7 years.
Hello there,
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I have 8 medical collections for my daughters I just contacted the original creditor of my medical bills and they referred me to the collection agency. The collection agency is not willing to do a PFD for removal however they are willing to do a settlement of 20% off and stating that it is paid.Â
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If I pay the collection agency can I use the HIPPA process to get the collections removed from my credit reports?
This is my first post. I’ve been a longtime reader, just haven’t signed up till today. This is my situation. I recently pulled all of my credit reports and saw that I had 4 charge offs and about 6 collections. Everything is from 2006, so they are well past the SOL in my state (Louisiana). I went through a stupid time in my life when I was drinking a lot and gambling a lot and really didn’t know just how much having bad credit can really **bleep** you over later on in life. I’ve since gotten married and have 2 kids and a baby girl due in august. Anyways, I sent some DV letters to 5 of the collection companies and 4 of them sent letters back saying that they are going to delete them off of my credit report. The 5th one I decided to do a pay for delete. I have the letter saying that if I paid $350 he would delete the trade line. I sent him the money return receipt, and he sent a $0 balance letter back. My questions are these. 1) can they put the deleted accounts back on my credit report after they delete them? 2) how can I get the original creditors off of my credit report? Like I said, everything is from 2006. So I only have to wait a couple more years for them to drop off. By the way, the pay for delete was from a collection agency that bought a debt that is showing on my credit report (the OC was HSBC), can I send HSBC proof that I paid and will they delete it? Or should I just wait it out. Everybody I’ve talked to said to just not worry about it because any debt over 24 months old is not really hurting your credit. Thank you all for all of your help in the past and in the future.
I contacted Geico March 1st to pay off an old debt from when I cancelled my policy and was pleasantly surprised when the customer service representative told me no collection agency was involved. We agreed to pay the balance in two equal payments, one this month, one next. And I figured this one was less debt to worry about. Yesterday I received a letter from a CA acknowledging the payment I had just made and demanding the remainder of the balance within two days, so I called Geico again only to be told it looked as though on March 1st (that’s right, the same day!) the account was forwarded to the collection agency and that it was likely the representative I spoke with couldn’t see that in the system yet. So they happily took the rest of the payment and said there was nothing they could do as far as assuring me it wouldn’t be reported in the future.
I don’t know how often it happens that a debt is paid literally at the same time it’s transferred to a CA, but how likely is it that the CA would report? If they choose to report it, do I have grounds for disputing it?
The CA involved is Credit Collection Services. Does anyone have any personal experience with them?
I also got my first successful GW response in the mail yesterday. One step forward, one step back. . . .
I have a charged off credit card that is about fall off my credit report in June.  Will the corresponding Collection fall off too or do I need to wait 7 years from the time the account was sold to the collection agency.
Okay, so I am paying off a bunch of Medical Collections, with the original creditor. I am documenting everything, and I am paying a lump sum with a cashier’s check. After the payment is made, how would I go about getting the collection agency’s accounts off of my credit reports? Do an online dispute? Debt validate the CA’s? send a GW to CA’s requesting deletion?
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Any suggestions would be great! Thanks,
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Nick
I’ve heard many times before that paying an account that is in collections is a bad thing because even though it shows as “Paid,” it updates your “fall off” date another 7 years. Is this true? I owe Bank of America $134, the collection company is willing to settle for $90, but I don’t know what to do because I don’t want to waste $90 if it’s going to really help my credit report/score either way. Any advice?
Hello all!
I have started to clear up my medical debt that has been hanging over my head since 2008. I live in Texas so it won’t get erased until 2015. I’d like to have better credit before then.
I’ve read up on how you should send certified letters to collection agencies for correspondence rather than call them. However, the address’ that they have posted on FreeCreditReport.com (where I get my credit report from) are incorrect. Or at least I think they are. I’ve tried sending pay to delete letters to some of the agencies and 3/5 came back saying that the PO Box that they delivered to does not exist. Did I make a mistake? Should I have called and gotten their physical address instead of relying on a PO Box?
I guess I’m stuck. I want to pay these off and I have the money to, but I don’t want the bad credit to remain on my account. I’d like to have them deleted if possible and I need to send those certified letters to the collection agencies to have them deleted.
I haven’t tried contacting the original debtor yet, should I? And can they delete the accounts if I pay them direct?
I’m so confused on where I should go now.. any advice?
I currently have a medical debt that is past due since January 2006 and the collection agency grant &weber is reporting on my exp and tu. I have called and wrote them to get them to PFD they refuse saying they cannot legally remove this from my credit reports till after i make a payment. I read about the HIPPA letter program and would like to go that route. I called the hospital about my account and told them I would like to pay them but they said that they can only collect the original amount owed not including the interest. The collection agency is charging interest on it and can come after me for it even after Ive paid the hospital bill. Can anyone give me advice about how to get this removed from my report for a payment in full. Thanks everyone on this forum for all your advice!
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