paid collections, how to remove them?

[patience41nce]

Hello to all,

I have several paid off collection accounts. I am not sure how to go about getting them removed from my credit? Any suggestions?

Is it a good idea to use 'creditor agrees to remove' tidbit? I am at a loss on how to get those things off of my credit.

Any help will be appreciated!

[lovebug5]

I'm making the assumption that these TL's are being reported correctly and you are attempting to have them removed solely on the basis that you do not want them on your reports anymore. Correct?

IMO, your best option here is to write some GW letters since the debts have been paid. Hopefully some will fall off. Clearly you can dispute with the CRA's and hope that some just delete because the CA no longer wants to waste their time or effort...

(That being said, if the accounts are paid...They're most likely not having a huge impact on your score...)

[Robert Nashville/Savannah]

It would be very helpful to know who (i.e. the OC, CA, JDB, etc) is reporting these tradelines.

It would also be very helpful to know how old these accounts are/when they will drop off of their own accord as not everything “paid collection” is worth the effort to have it removed.

In any case, your best bet for getting them “removed” is to find some significant inaccuracy with each tradeline (and hopefully one you can back up with your own documentation) – that will, at least eventually, require the data furnisher to either correct or remove.

[Fairy Enchantress]

This link is full of people asking the same question.Maybe you can sort through them for more info also. Good luck!

http://debt-consolidation-credit-repair-service.com/forums/search.php?searchid=812549

[patience41nce]

With one of them, it is from the company's supposed law frim contact. I contacted them today and since the debt is paid, then the law company needs to reflect that. I spoke with them about removing this, but they said that they will update it and that was all. I am going to dispute again and tell the credit bureaus that it was to be deleted upon payment. I am going to try that. The other 3 are with the OC. I sent the GW as suggested. I will wait to see what happens there. The last one is with a collection agency and it is not passed the 7 year reporting period. I believe it is 4 years into it. I will try to dispute this one again as well.

Does that 'delete upon payment' jargon really work? Any other smooth tactics to try to get these things off?!

Thanks for all the posts, guys, it really helped out!

[Ravenous Wolf]

Does that 'delete upon payment' jargon really work? Any other smooth tactics to try to get these things off?!

No, not really. That is because that action has to come from whoever is reporting that tradeline; not from you. Years ago it was actually common for it to happen that way especially when you got a letter from the OC stating that this was to be deleted from your credit report and just forward this letter to the CRAs. I did that several times and it actually worked.

But times are different because of how this automated this has become with all the subscribers to the CRAs. It could still happen but it is not very likely.

Now the way I got paid collections deleted was like this:

From the OC, I requested information about this negative trade line. I usually got some [EXPLETIVE DELETED] response from them explaining that they didn't have jack [EXPLETIVE DELETED] about it except some kind of print out, etc. Every 30 days I kept pressing them for more back up data about it while I was forwarding all of their crap to the CRAs and asking them how they could have verified it when the OC can't give me anything about it. After a while, I got them all deleted from the CRAs (but it took a lot of dogged persistence).

As for the CA, I did debt validation. Most never responded to me and every 45 days I kept sending them certified letters. I forwarded the copies of the green cards to the CRAs every 45 days demanding how they could have verified this trade line when the CA won't even respond to me. For one CA, they just sent me a printout and I sent them a copy of the FTC Wollman opinion about it and it eventually got removed.

Some CRAs immediately deleted a negative tradeline while other CRAs on a different dispute took forever but it eventually came off. However, I am a person who has sent well over 100 disputes to each CRA. Every 40 days I would mail off a big stack of letters (I mailed each dispute individually) to each CRA.