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Do I Trust Them?

The last post in this topic was posted 5409 days ago. 

 

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I'd started things wrong pre-CB, but today I got a letter from the CA that I'd offered a PFD to.

 

There are three things reporting to them, and one that wasn't reported, two of which I had offered the PFD.

 

They offered to totally delete the three references if I paid all the amounts - it's less than $175. They made the offer to delete one more thing than I'd requested.

 

Do I rush out Tuesday and get a money order and do it, sending them a CMRR letter and copy of their letter to me and hope they are going to keep their word? They stated categorically that they would remove it from EQ/CSC.

 

Opinions?

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If I got an offer for that I would likely take it. The amount of effort it would take to delete four derogs for $175, for me, would be well worth the efforts.

 

Are all of the derogs on each CR? That could be as many as 12 baddies gone for $175? I have never done one, but I would want a signature from a manager on the letter.

Edited by Pavlov

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Only on EQ, but that score is my nightmare.

 

I think you're right Pavlov.

 

That's three things gone, one with no chance to ever appear. And with that, it takes my EQ down to 7 things. That amount of money is chicken feed compared to what I can do with a better mortgage rate.

 

I'm just concerned that the CA is gonna come back and try to waffle.

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Only on EQ, but that score is my nightmare.

 

I think you're right Pavlov.

 

That's three things gone, one with no chance to ever appear. And with that, it takes my EQ down to 7 things. That amount of money is chicken feed compared to what I can do with a better mortgage rate.

 

I'm just concerned that the CA is gonna come back and try to waffle.

 

You should NEVER trust a CA, not ever...

 

Get the general or collections manager to sign a letter stating so (get it in w r i t i n g ! !) in your possession BEFORE sending any money. Make certain you have a NAME that's attached to this signature that's legible. Enclose a copy of said letter with your payment, sent CMRRR. Do not let them weasel out by saying "it takes up to 90 days to delete, yadda yadda yadda...", make sure it's 30 days from receipt of payment.

 

Good luck to you!

 

RG

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I've got the money order, and I've put the Conditional Endorsement on it, added a copy of the letter they sent plus my letter re-affirming what they said and after work I'm off to the post office for the CMRR.

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