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 Report
Profile Image

Question By
scskinsfan11

0 Contributions
0 People Helped
IQ Data International Pay for Delete
Just wanted to let yo uall know... I've had 1 collection account on my credit for over a year now. It was from IQ data international from an apartment I used to have. I got tired of dealing with the apartment company a while ago, and am now wanting to buy a house. I'm close to qualifying for a VA Loan and could wait it out, but I called them today and told them although I don't feel like I owe the debt I will pay in full if they will delete the account from a 3 credit reporting agencies. They agreed immediately. Gave me the Cust Service Reps info and ext as well as her bosses and guaranteed that they would send the email letter to me immediately after payment stating that the account would be deleted. I was skeptical about not having it ahead of time, but they were extremely nice and seemed excited about having someone actually pay :) anyway, I asked if it would be reported immediately to the credit agencies to delete and she said it would be sent with their Monthly credit updates (which is at the beginning of the month so being the 30th it would go out by the end of the week). I paid it, logged into my email and I had the pay for delete verification email sitting in my inbox. I will update if it doesn't come off, but I'm hopeful that this year long journey to cleaning up credit will finally be happening. My credit has gone up about 100 points in a year, 100% because of advice on this site and the MyFICO site.

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-6 of 6Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
1 Contribution
0 People Helped

Question

I have a debt with them as well but I have no idea where its coming from

1 Contribution
0 People Helped

Update?

Hi, just checking to see if you've seen an update after you paid in full to IQ?

6 Contributions
42 People Helped

great news!

I have an old debt with this same company and just ended a call with them where they told me the same thing.  I am a bit skeptical about paying the amount without proof of deletion until after the fact, but your post gives me positive vibes. 

I've successfully gotten every other collection removed, this was the final one.  I was unable to get it removed through other channels and like you I want to buy a house and this looks bad to have on my report even though it only has about 1.5 left til it falls off.

Thank you for sharing your experience!

1 Contribution
0 People Helped

Updates

Hi,

just wanted to know if you were able to get this removed and how long did it take?

Top Contributor
11699 Contributions
4497 People Helped

GREAT NEWS !!!

Helpful to 1 out of 3 people

Shows that you read the articles here to get the credit information needed to resolve this issue, took action and got results!  Feels good, doesn't it?  The knowledge you've acquired here will help you for the rest of your life.

Reply by
amjam100

1 Contribution
2 People Helped
Helpful to 2 out of 3 people

I have the same problem with the exact same company (IQ data international) and we totally dont owe all they say. Just wondered if we offered to pay off half will they still take it off the credit report? we want to refinance so need this off our report. Thanks in advance!

1 Contribution
1 Person Helped

pay for delete?

Helpful to 1 out of 3 people

I have a question, i have a debt from an old apartment and would like to get the debt off my credit, if i call and tell this company that if i pay in full; i want a (pay for delete) they will honor me with one? How soon does this usually go through. I'm very skeptical about giving my bank info to some shady credit agency that doesn't provide me with any paperwork other than my credit report.

Results 1-6 of 6Results 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.