Jump to content



Recommended Posts

The only things you can legally have removed from your credit report are inaccurate items. Since you did not pay the bill, it is an accurate tradeline.

That said, some collectors are willing to do a Pay for Delete and you can offer that to Waypoint and see if they bite. Some do and some don't. There is one person on this board who offered to pay in full for a deletion and the collector refused so they go nothing.

If you do decide to pay the debt, regardless of whether the tradeline gets removed or not, there will still be an improvement to your score although it will be damaged in the short term. It used to be that paying on an old account hurt your score but after the JDB companies howled at Fair Issacs about that, Fair Issacs changed the algorithm.

Link to comment
Share on other sites

  • Azure619 changed the title to N/A

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.