Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
pangnhiamoua

0 Contributions
0 People Helped
How to get a collection off your credit score? How to negotiate the collector to delete?
I had a "Rent Recovery Solutions" in collections that I knew nothing about. Never got a letter, email, or phone call. As far as I'm concerned, I paid everything when the landlord walked me through my old apartment. Now, it's sitting in collections and I am able to pay it off (it's only 200.00) but I didn't just want to pay and have it sit on my credit score... how do I negotiate? I need it gone asap & I know other's have mentioned writing a letter but I need it done right away. Can I call the collector?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
1132 Contributions
1210 People Helped

Call the collector and ask for a pay for delete agreement.  This is when you agree to pay in full if they will remove the item from your file. If they refuse, ask to speak with the manager. Be polite because they ball is in their court.

Top Contributor
7368 Contributions
3810 People Helped

DO NOT CALL!!

Whoever answers is not in a position to do any negotiations.  YOU do the negotiations via letter.  How to do so is covered in articles on this site, which you should find and read. The purpose of Credit Karma is to teach about credit, which it does very well.

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.