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* Disclosures:
- By signing up for counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
- Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
- Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
- Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
- The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.
You can contact with your creditors and make a written request to them to update your account status as “Paid” via certified mail with a return receipt request. You may also request them to remove the negative item from your credit report purely out of goodwill. Usually negative items remain on your credit report for the next 7 years. That’s why it depends on their discretion to remove the negative items from your credit report.
anonymous
If you've already paid off the account, then your creditor should report the account as paid or closed. You should contact your creditor immediately and ask him to update the status of the account on your credit report.
Anna Sweeting
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