Кстати, если легче будет - у меня был случай когда я по собстенной глупости подписался косайнером за машину тогдашнего знакомого, который потом сгинул ( в смысле мы с ним не общались) и не заплатил два пэймента за ту машину. Банк, collection agency меня несколько лет терроризировали чтобы я заплатил сумму окол 2 тысяч долларов. Я так и не заплатил. Конечно это отразилось на моей кредитной истории, но так как в остальном у меня было всё хорошо и прекрасно, то в течении лет 5 это пятно сошло на нет практически…
If you can’t remove the debt by disputing it, you can negotiate with the collector to have the account removed from your credit report in exchange for payment. Send the collector a letter stating your interest in paying the account. Offer to make payment if the collector agrees to remove the entry from your credit report. Ask that the collector return a signed copy of the letter to you to seal the agreement. (Sample Pay for Delete Letter.)
If you negotiate a pay for delete over the phone, make sure you get the agreement in writing before you make a payment. Don’t make payment until you have the agreement in writing.
Send all correspondence via certified mail with return receipt requested. That way, you have proof if there’s ever a question about whether the debt collector received your mail.
After you’ve paid the collection, check your credit report to make sure the entry has been deleted. If not, dispute it and provide the credit bureau with a copy of your agreement with the debt collector and proof of payment.
Question: Can I remove debt collections from my credit report?
Answer: If the collection is accurate, you technically can’t have it removed. You might be able to negotiate with the collector to remove the item in exchange for payment. You can start the negotiation by sending a pay for delete letter.
Unless they’re actively collecting on the account, debt collectors are rarely concerned with keeping your credit report updated. So, if a new collector has the account or you’ve already paid, you can try disputing with the credit bureau. If the collector doesn’t respond in 30 days, the credit bureau must remove the collection from your credit report.
