Saturday, July 19, 2008

Questions about pay for deletion

I just had a question about the pay for deletion. All of these accounts are in collections already and have been for I think less than two years. I have a Dillard's account that was opened in 2006. I owe $708.32. The company that has it now is Allied Interstate or LVNV Funding LLC who may have given AlliedInterstate authoriziation to have it placed in their agency. And by the way, do you know anything about AlliedInterstate at all? I have a Cell phone bill account in collections with the name of West Asset Management. I owe 719.61 And then another account with bank of america in United Recovery Systems for 1374.15 I also have a hospital bill of 3882.91 of Credit World Services Inc. but I am wanting to pay the other accounts of first. Also are you familar with any of these companies? I just wanted to know the steps in paying these off and having them deleted off my credit report. Some say you should validate first, but who are you validating to? And also could I settle on making payment arrangements with the collection agency for lets say 3 payments in no less than 90 days or would it be better to negotiate for the balance in full for deletion. Do you think they would work with me on making payments for deletion of just for the balance in full? Also for the letter, what do you put in such a letter? When they send you the agreed to deletion letter, do you send that to the credit bureau agencies to take it off your credit report?
I know this is such a long email but I wanted to give you a little bit of a background.
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not familiar with any of those companies at all
i would call the original creditors FIRST then then collection agencies tell them you are willing to pay with some credit help.
if they will let some of the collections or past late payments goyou will pay in full including feesbut at the very least the collections have to come of my report.
see what happenes read this
http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm

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