Tuesday, October 17, 2006

Can I write to the collection agencies after an account has been paid and ask them to remove the account

First I would like to thank you for putting together your website. It has been very informative and helpful. Second, I do not understand one of your answers and I was hoping you might be able to clear that up. Ca I write to the collection agencies after an account has been paid and ask them to remove the account? This is in regards to:

What am I trying to get from the creditor when I ask them to remove a file?
I try as hard as I can to get a letter saying account is paid in full, paid on time and in good standing. I use this letter to follow up on the creditors’ decision to remove inaccurate and error riddled credit reports. Many collections are improperly reported or a consumer will not been properly informed collection processes have be allocated. With late payments I look for dated checks to support my "paid on time" claim or merged, fraud, duplicate or re dated files. Report these to the FTC and BBB

I had a very old credit card account and paid it off in February of this year.
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You can write. I would call though.
You have more bargaining power before you pay.
If the account is really old (more than 2 years) it is pobably not hurting you much.
On credit card accounts I suggest trying to re open that same account with a down payment and a phone call. If you can re open the account that is good.

My question would be what is your score?
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