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Alright, this is what you could do:
Not legal advice and do not rely on the following, anybody:
If you pay it, the default credit report entry becomes current as of the date of making the payment and will stay with you for the next 7 years.
This.
I can echo this sentiment. Pay it off in full in exchange for a full delete. Hopefully you're still just dealing with the company itself and not a CA as well, otherwise you might have multiple listings on your report for the same thing.
It's called pique, or perhaps stubborn self-interest. You can even call it a matter of principle if you wish. But it's not civil disobedience and bears no resemblance to it whatsoever. The very essence of civil disobedience is a willing acceptance and embracing of the consequences of one's actions.
I wouldn't pay the pieces of ****, I was in a similiar situation with comcast, I told them I already cancelled and they refunded my money because I threatened to **** their bitches.
I think all they do is negotiate a repayment in exchange for taking it off the report, but I'm not sure.
It's called rapid rescoring and is mainly used by mortgage brokers to tweak minor errors for a 10-20 point score bump. It's good for getting yourself in to a low APR. They're not going to remove legitimate debts like the one the OP has
Alright, this is what you could do:
Unfortunately this is partly what a credit score is for. They would like to know whether you are the type to settle/handle/correct/clarify your bills in a reasonable amount of time, or the type to just say "*******, you aren't getting my moneyyyyyyyyyyyyyy!!!!!" and ignore them, aka someone who receives a monthly bill for 9 months and doesn't realize it. Maybe you forgot to set up mail forwarding or whatever, but they don't care about why.
Wait, this is originally due to a T-Mobile **** up? Can't you sue them for credit libel if that is the case?
I like how everyone here is trying to push this as the OP's fault as if he legitimately owes them the money. StyleForum is THE MAN!
Aug. 2006:
No offence, but this sounds suspiciously like some "freeman on the land" stuff.
Ok, I didn't read the reponses but here is my advice.
I notice some people said pay them ASAP. DO NOT DO THAT. That can have a worse effect on your credit score. What would happen is the collection account would report as paid with a date of last activity being April 2010. It will then stay on your report for 7 years from now. As it stands, the date of last activity is 2006 or 2007. After about 2 years collection accounts affect your score less than a new one.
Hey, I was wondering if there are any engineers out there who could give me some advice? I own a large, historical building in Italy. When I purchased it, I didn't notice any problems and I didn't get it fully inspected like I should have (considering its historical value). Anyway, it turns out that the whole damn building is leaning due to a faulty foundation.
This is great advice. IIRC, a 3rd party attorney is calling me, so i imagine they own the debt now?
No offence, but this sounds suspiciously like some "freeman on the land" stuff.