Removal of collection agency info from credit report...

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Posted by pecd on October 25, 2000 at 02:00:25:

I have 2 collection agency items on my credit report.

One is still open with IC Systems collection agency.
It is for $105 and it is a dentist bill. I didn't
even realize that I owed the dentist this money and I
never received any of the letters from IC Systems. I
saw this dentist over 3 years ago when I lived in another
state. The letters were all sent to a PO Box I had in
the other state and never forwarded to me where I live now.
IC Systems says the letters were never returned to them
so they consider me notified adequately.

I talked to IC Systems and I overnighted them the payment.
They told me that they have a "no delete" policy and
cannot remove the information from my credit report.
Like I said, I didn't even realize I owed this money until
it showed up on my credit report while applying for a
mortgage. I want this off my report, if possible.

I just read some info on this site which says, "some
debtors may be able to negotiate with the creditor to
have the item removed from the consumer's credit reports
in exchange for partial or full payment. This must be
done directly with the creditor, not with an outside
collection agency."

Now I'm confused-- does this mean that maybe the dentist
would be willing to drop this from my credit report
and I should talk to her directly? I overnighted a
payment to IC Systems-- should I put a stop payment on
that check until I see if the dentist will remove this
from my credit report? Why wouldn't the collection
agency tell me it's up to the dentist and they do
what they are told by the original creditor? How do
I go about handling this?

I also have a charge off for about $100 with Gulf State
Credit-- I have no idea what that is either-- I got
their number from a post below so I'm going to call
them tomorrow and try to handle that situation.

Any help on how or if I can get this stuff removed
from my report would be **greatly** appreciated! Thank
you!

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Re: Removal of collection agency info from credit report... CardReport.Com 10/27/00 (0)

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Comments:
: I have 2 collection agency items on my credit report. : One is still open with IC Systems collection agency. : It is for $105 and it is a dentist bill. I didn't : even realize that I owed the dentist this money and I : never received any of the letters from IC Systems. I : saw this dentist over 3 years ago when I lived in another : state. The letters were all sent to a PO Box I had in : the other state and never forwarded to me where I live now. : IC Systems says the letters were never returned to them : so they consider me notified adequately. : I talked to IC Systems and I overnighted them the payment. : They told me that they have a "no delete" policy and : cannot remove the information from my credit report. : Like I said, I didn't even realize I owed this money until : it showed up on my credit report while applying for a : mortgage. I want this off my report, if possible. : I just read some info on this site which says, "some : debtors may be able to negotiate with the creditor to : have the item removed from the consumer's credit reports : in exchange for partial or full payment. This must be : done directly with the creditor, not with an outside : collection agency." : Now I'm confused-- does this mean that maybe the dentist : would be willing to drop this from my credit report : and I should talk to her directly? I overnighted a : payment to IC Systems-- should I put a stop payment on : that check until I see if the dentist will remove this : from my credit report? Why wouldn't the collection : agency tell me it's up to the dentist and they do : what they are told by the original creditor? How do : I go about handling this? : I also have a charge off for about $100 with Gulf State : Credit-- I have no idea what that is either-- I got : their number from a post below so I'm going to call : them tomorrow and try to handle that situation. : Any help on how or if I can get this stuff removed : from my report would be **greatly** appreciated! Thank : you!

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