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cwa8807

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best way to get collections deleted
i am trying to fix my credit for the future. when i was 18 i got into credit card debit not alot but enough that i got sick and family issues that i couldnt pay. my question is i read about settlement and getting them deleted anyone got any advise on how to achieve this

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That is called "pay-per-delete".  You have to negotiate with the creditor and get them to agree IN WRITING to delete the account when paid.  Be very careful, however.  These debts will automatically fall off your credit report 7 & 1/2 years from the date they went delinquent.  If these accounts are close to that date, you could just wait it out.  If they don't agree to delete the accounts for payment, then they will stay on your report for 7 & 1/2 years from the date you paid them off, which is also bad.  To learn more go to www.credit.about.com.  Best of luck!

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Depending on where you live, the statute of limitations for collectiion may have already expired even if the accounts are showing on your reporits (because they are part of your history).  So, before doing the negotiation, find out what the statute of limitations for collections is in your state and work from there.  

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