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Alejandromm

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Will paying my Debt collector (Cell Phone Bill) remove the deragatory mark? Something to Negociate?
Have my old Sprint bill that went into collections while i was out of the country.

It's not much but before i pay the debt collection agency is there a way to negotiate anything where the derogatory mark from my credit gets wiped off or removed? Figured I would ask before paying them first.

Seeing as the Derogatory marks have a high impact on the credit score I want to try and find a way to eliminate this in any way i can.

Thanks for any help you guys can offer :)

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Pay to Delete

Helpful to 1 out of 1 people

It is know as a "Pay to Delete" 

You can contact the collection agency and ask that they remove the derogitory remarks when you pay off the account.  DO NOT send any money until you have the aggreement in writing.  Do this by writing to the collection agency.  NEVER by phone.  They will make promises on the phone just to get you to pay then not follow through on the deletion. Aside from that, most of the people that you would talk to on the phone do not have the authority to make that kind of agreement.  Address the letter to the "account manager".  Read up on the article on Pay to Delete or Pay to Remove here on CK for more info.

Good luck

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