Listening Posted October 26, 2012 Report Share Posted October 26, 2012 Called credigy to see stance on pay for delete (told by friend). Asked for a superviser able to discuss pay for delete and was informed that she was a supervisor and credigy doesn't do pay for delete because illeagal. Keeper trying for any other info but didn't get any just her asking "is there anything else". Only info on credit report not fully correct is oc was city finance and report said Santander. After calling Santander they said Credigy bought debt. Credigy said commercial recovery services is handling collections. CRS said couldn't do the delete cause its not their debt.This is only neg on report and is a charge off few years old. Still 2 more years till SOL. Credit report is 637. And yes I'm ashamed. It's a repossession and debt is around $3000. I don't really want to file bankruptcy unless best or only option. Has anyone had any good results with these people?What should I do? Please help and thank you. Link to comment Share on other sites More sharing options...
JuniorNY Posted October 26, 2012 Report Share Posted October 26, 2012 (edited) If Santander is the company on your CR, I don't believe Credigy has the ability to PFD as they're not responsible for the TL. Sounds like you should be kissing up to Santander. Edited October 26, 2012 by JuniorNY Link to comment Share on other sites More sharing options...
willingtocope Posted October 26, 2012 Report Share Posted October 26, 2012 For future reference...PFD is NOT illegal. The law only says if someone does report on your CRs, it must be accurate. It DOES NOT say they must report. Link to comment Share on other sites More sharing options...
Listening Posted October 26, 2012 Author Report Share Posted October 26, 2012 I'd did call Santander and they said the debt was sold to Credigy. Wish it was still owned by Santander. Collection rep credigy directed me to said they represent Santander and credigy both and she just done a pay for delete with costumer of Santander. Are they one in the same? Like Main Street and credigy? If I can't settle for PDF really soon I'm goin to hire a pro to take care of it and if all else fail and they don't want to compromise then I can always go bankrupt. But not really wanting to. At least they wouldn't get want they want either lolI didn't even get time to say a price on PDF. As far as they knew I might have paid full Link to comment Share on other sites More sharing options...
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