EGAS

Thanks Shifter. I will try that. Can I email the letter (I have an email address for them), or is mail better? I figure email is both quicker and more certain to arrive.

This account was still within the SOL. I only paid it to clean up my report for my mortgage application. But I was told it would be deleted and have it in writing via chat transcripts. It seems extremely shady for a business to promise that in writing in order to receive a payment and then fail to live up to their end of the bargain. As for the question about my score, it did not go down upon payment. The CA was reporting every month, so the account wasn't dated more recently upon payment. But I was promised something and it hasn't happened. I realize nothing is 100%, but surely there is a sequence of steps I can take at this point that can increase the odds of removal?

Hi, I had a collection account on my credit report that I wanted to have removed. CA (Convergent) wouldn't PFD (but they did say they would do what the OC told them to do), so I reached out to the OC (Comcast), who told me over the phone that if I paid the full balance, they would have the account removed from my credit report. I confirmed that they would do this, even though the account showed as Convergent's on my report. I was told yes, it would be deleted by them, as well, but they wouldn't offer anything in writing. So, I went on their chat system and the agent said the same thing; that if I paid in full, it would be deleted by Convergent, who worked for Comcast (in their words). I did this several more times over a period of about a week and each time, I got in writing (via various chat agents) that the account would be deleted if I paid in full. So, I paid the full amount to Comcast. I was told it would take 30 days for the account to be removed from my credit report. It's now been just past 30 days and the account is showing as Closed/PIF...but it has not been removed. What is my next step? Do I write a letter to Comcast with screenshots of the promises made by the chat agents? Do I write a letter to the CA with those screenshots? Do I dispute the account with the CRAs? Do I file a complaint with the CFPB? Any other suggestions? I need this account removed ASAP for a mortgage application. Thank you!

Hi, I have a similar situation and want to confirm the best way to handle it. I found an account on my report from a CA. I had them verify the debt (it was for a final bill from Comcast a couple of years ago when I moved) and they did. They offered to settle for a lower amount, but claimed they couldn't delete. I called Comcast and they said they'd have it removed from my report if I paid in full. I called twice to verify with another operator and even created multiple chats with various agents to get this in writing and they all said yes, it will be deleted. So, I paid Comcast. About 10 days later, my credit report reflected that the CA was now stating my account was PIF (i.e., not deleted). I spoke to Comcast and they seemed genuinely baffled by this and claim they have elevated this matter with a ticket to have it removed. I've read conflicting things on this site; that the CA no longer can report because I settled with OC...and also that OC cannot force CA to do anything, including deletion. Comcast must have still owned the debt, as they accepted payment and I have an online receipt that proves I paid them. Is my next step to write a similar letter that OP used to the CA? And if they refuse, do I file a complaint with CFPB? Or dispute on CRAs? Can I email the CA (would that be any less "official" than certified mail)? I'm just thinking that would be quicker. Thanks, this is very frustrating. It seems highly shady that OC can claim to delete in exchange for full payment and then the CA refuses.