Yungskeeme

I’m happy with that. Thanks

Thanks!

@Brotherskeeper They replied and agreed to my terms

I agree with having everything clearly stated. I will email them back. Thanks. I’ll be emailing them

@Brotherskeeper Here’s the letter

Sorry. They sent a cover letter that states that the account would be marked at disputed

@Brotherskeeper Sorry I didn’t answer the first question. No, original creditor is not in my CR. It is Midland. No downside in informing them that the only way I will sign is if it’s deleted or marked with the balance of 0. I was just asking if mentioning this to them in the email they sent me would suffice. Didn’t know if I had to type a letter up. And yes, would not mention to them I’m buying a house. Just don’t want to get caught in any loopholes with their legal jargon.

@Brotherskeeper Main thing I disputed was I denied the debt. Never was provided enough information to prove the debt was mine. Midland bought this debt from the OC. Doesn’t that give them ownership? I feel the “disputed” status they mention does nothing for me. If they can’t prove this debt is mine then I feel the debt should be wiped clean. Deleting or marking the balance as zero would raise my score. Next couple of months I will be buying a house and not having this would help me out.

I’m not really understanding the legal terms used. I’m thinking I should just make it clear that I want the account deleted or marked with a 0 balance. Could I do this by emailing them or would I need to type a letter and attach it to the email?

I think I’m going to write them back and ask for the account to be deleted or marked with a 0 balance. Would I be able to request this via the email they sent or do have to mail it?

Yes, I want Midland deleted from my CR. With what was stated are they able to sell the debt to someone else as a loophole?

I was thinking about doing what you said. Take the offer and dispute. Would rather have them delete now and be done, but don’t want to waste more energy writing them back and waiting on them to accept or decline my offer.

@Harry SeawardThat’s what I thought. I need to ask for it to be deleted, correct?

Hmm. May need a counter offer to remove. How have some of you handled this?

Honestly couldn’t do this without everyone’s help. Everyone was very positive even when I felt like I needed my hand held. The settlement states it will be dismissed with prejudice and account with marked as disputed. I rather have it say it’ll be deleted. Unless that means the same thing. Didn’t even get my decision for my motion. Didn’t pay the filing fee so I’m good.