$100 Macys debt purchased by JDB, pay for delete?

[nnye]

So i have a small Macys debt that i want to get off of my credit report. I just got the initial letter from the JDB that i need to respond to within 30 days. How can i word my response/ denial of the debt and still offer a pay for delete?? @LawKitty any suggestions?

[Clydesmom]

38 minutes ago, nnye said:

So i have a small Macys debt that i want to get off of my credit report. I just got the initial letter from the JDB that i need to respond to within 30 days. How can i word my response/ denial of the debt and still offer a pay for delete?? @LawKitty any suggestions?

There is no magical wording.  They will either do it or they won't  Who is the JDB?  PRA and Midland steadfastly REFUSE to do PFD.

[fisthardcheese]

How about a dispute/MOV to delete?

[LawKitty]

I find many companies and collection agencies are refusing to do pay for delete.  Maybe in the past it was a viable option but I haven't had a single one in years agree to do a pay for delete.  They all spout the same line about how they are 'obligated' to report correct information and it would be a violation for them to report otherwise, etc. etc.  Maybe someone has used it against them in a lawsuit (showing someone has reported incorrect information even if it's to benefit the consumer to show that a company has reported incorrect information) and that's why they aren't keen on doing it anymore.  I'm not sure, but I just don't see it happening much lately. 

Paying it off may hopefully prevent a lawsuit from the JDB, but in some ways it's better to get sued by a JDB, and force them to delete it as part of a settlement through court.  You could also dispute it directly with the credit bureau, but that may not get it removed if they verify it's correct.

[PhilDanley]

If the JDB does a PFD for you, Macy's will continue to show on your credit report as a charge off. Since FICO9 scoring no longer dings a paid collections account, I think PFD is a moot point for credit score.