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
nofear9137

0 Contributions
0 People Helped
Paying to remove collections from credit report
I contacted a debt collector and told them I will pay in full if they agree in writing to remove it from my credit report. A supervisor told me thats fine but they cant put anything in writing, though he was very nice and professional I explained to him that I can't just take his word and that I would like it in writing. He stated that they do not do this because anything in writing needs to be looked over by lawyers. I told him I can send a letter very basic stating I agree to pay the amount in full in exchange to have it removed from my credit report and all i would need is his signature and he still stated they cant do it. Do I pay and take their word for it or is he just lying so I can pay it?

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
5038 Contributions
1136 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

Depending on your state laws, a verbal agreement may be sufficient. Personally if I were in your shoes, I would pay it and hope that they hold up their end of the agreement because there is really nothing else that you can do. I don't know how you plan to pay, but if you pay by a check or money order, perhaps you could write something in the memo line such as "payment for account deletion from credit bureaus" or something along those lines. What's happening here is very typical as many debt collectors that do actually do pay for deletes will not agree to put anything in writing. As said, I would pay it and hope for the best. If you do it over the phone maybe record the phone call. Whatever you do, do not push them too much or be disrespectful in any away, because that could make them angry and change their minds about doing the pay for delete. Good luck, I hope all works out for you.

Result 1-1 of 1Results 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.