Quote:
Originally posted by phogirl69
O'h yea and the way to get negative accounts deleted from your credit report is to contact your creditors and make an arrangement with them. Ask them if they are willing to delete the negative account completely off your credit report if you pay in full, and make sure they send you a letter stating that the account is to be removed after you pay them. And make sure that you then contact all the 3 credit bureaus and file a dispute:
"account to be deleted per credit grantor". The credit burea then will contact your creditor and verify that it's to be removed, and if the creditor confirms, the derog accnt will be removed!
Creditors do this ALL THE TIME.... If they say they can't do it, become ask for a supervisor...
Do this with all your negative accounts...
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Hi, have personally done this?
I'm in the process of doing it myself, and I'm having success when I work directly with the creditor, but not when it's through a collections agency. They couldn't give a shit.
Also, can you still do this if they've written the loan off as bad?