Swolf Posted March 26, 2007 Report Share Posted March 26, 2007 Hello All,My girlfriend and I are tring to get a morgage, So I found two small collection debts that she owed and I called them to settle it. The are small and need them deleted so her score will go up {hopefully} by 5 points to get the 100% financing. So I call them and tell them I am willing to pay in full if they will remove the trade line. He told me that he legally could not remove the trade line unless I request a reason that is in the FCRA. That a morgage isnt one of them and that it could show as paid but they will not remove them totally. What are the reasons for removal I can ask for or maybe I am asking the question. Any help would be greatly appricated. Also when it is paid, will that initually lower the credit score or make it jump up?Thanks for everything,Shawn Link to comment Share on other sites More sharing options...
Darph Bobo Posted March 26, 2007 Report Share Posted March 26, 2007 You could always tell them that the only way you are paying them is if they are pulled off of your credit report. There is nothing (to my knowledge) that says they absolutely have to leave them on your report. Link to comment Share on other sites More sharing options...
divemedic Posted March 27, 2007 Report Share Posted March 27, 2007 There is no law that states they cannot delete. They are lying.Try asking for an NDA, that they are not allowed to discuss the account with anyone, including the CRA's, and that includes verifying disputes. Link to comment Share on other sites More sharing options...
sjokinley Posted March 27, 2007 Report Share Posted March 27, 2007 Try asking for an NDA, that they are not allowed to discuss the account with anyone, including the CRA's, and that includes verifying disputes.What is an NDA? Link to comment Share on other sites More sharing options...
MissaFraQ Posted March 28, 2007 Report Share Posted March 28, 2007 Non Disclosure Agreement Link to comment Share on other sites More sharing options...
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