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Question By
shabah127

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Delete or paid in full??..
Delete or Paid in full....
Hi all, I am dealing with this same issue right now. its about 9 small debts in collection, all medical. Would it be best to pay the total and have all 9 of them deleted from my credit report or is it ok to just pay them as I can without breaking bank, just to have them say paid in full?? Why is it so much more beneficial to have deletion done? Please anyone?

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Do what you can afford. After they have been paid in full, do to the the reporting agencies and dispute under no longer liable and have them deleted that way. Dont waste time fighting for a letter or a promise they will delete it. They have 30 days to respond and most wont since you paid it in full, thus, they will delete it. Have done it and saved time and money doing it.

Reply by
Frank7902

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Go not Do lol sorry typing to fast didnt see that mistake.

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I would advise you to try to get them deleted at all costs. Do some reading on "pay for delete agreements" if you haven't done so yet. "paid" collections are still collections on your credit reports. You want them removed, not just marked as paid. Do some further reading on all of this before you proceed.

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