Collections will not make delete agreement, will sprint?
I had an account when i was 18 with sprint for a few months, i then lost my job and had no way to pay it off. I am now 21 and received a letter from cavalry portfolio services offering to cut my balance of 200 in half , a settlement. However, they will not agree to delete this off my credit after payment is made. So i have heard you can call the original creditor and attempt to reconcile with them as well. Has anyone received a pay and delete from sprint, years after the fact? will they have my info? I just wanna hear some experiences and go into making this call with more knowledge. I dont wanna pay the shady collections if its only gonna make my score worse by updating it, also, will this fall off my credit at a 7 year mark? or is that only when its been paid it will fall off after 7 years. thanks! They will not reach an agreement with me at all, they want me to pay and all it will say is zero balance. I have read enough to know not to ay by phone, so im not doing that trust me. I want this done with so i can get a secured credit card and start to build my credit. My current plan is to just pay the damn thing(with the right precautions) and do the credit card thing, best way to go??
Asked By: Chaz - 2/11/2009
Best Answer - Chosen by Asker
Once its turned over to collections there is nothing the original creditor can do as the account doesn't belong to them anymore. I have had dealings with calvary portfolio and no they don't delete but a zero balance is better than a balance if its going to report anyway, I would suggest you do as I did and go ahead and... More
Answered By: B - 2/11/2009
Additional Answers (1)
The Statute of Limitations on phone service is just two years...so they cannot sue you over this debt. The original creditor has sold this debt to a 3rd party and they cannot take payments nor remove it from your credit report. You have to deal with the debt collector. This is a real bottom feeder agency, so be careful... More
Answered By: SlimMick - 2/11/2009
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