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Found 3 results

  1. i have a very old utility collection that is on my credit report (found out while applying for a mortgage, not fun) in the amount of $295. i have zero problems paying it but the collections agent said they do not provide a letter of deletion and that i would merely receive a receipt for my payment. keep in mind the collection agency only works for the utility company. after speaking with a supervisor, she explained that paying in full will "delete the trade line" and she said yes it will remove the negative item from the credit report. is this true?
  2. Hi everyone, and happy Wednesday to you all. Well, after burying my head in the sand for so long, I'm finally taking steps to try to address some old charged-off accounts currently in collection (none are past SOL, btw). Since it's been several months since the CAs for these first sent me correspondence, so I've obviously missed the window for DV (live and learn). All of the negative tradelines on my CR are OC entries, which I'm assuming means that the CAs are either assigned or else haven't reported. My plan for addressing things is to try to arrange a pay-for-delete on these accounts o
  3. I've been going through this saga of trying to clean up my credit report and many thanks for the responses I have gotten. So there are a few tradelines on my credit reports regarding one student loan that I had defaulted on. Going back through my school records, I took it out in the period ending June of 2005. If I never paid that one (just took care of it a few months ago because I know they can sue for that forever) would it most likely be past the 7 year reporting period at this point? It is reported a few times under AES/NCT, National Collegiate Trust, and Citizen's Bank. They all list dif