Pay for delete on charge off and collection

[lukez]

Hello all,

I was wondering if anybody can help me out with a situation. I have a credit card that was charged off when I lost my job and sent to collections. I recently got a new job that is greatly helping me get back on track and I want to rebuild my credit.

My question is this. I looked at my credit report and under the negative items it shows the credit card that was charged off and then it shows the collections agency that purchased the debt as separate items. If I sent a PFD letter to the agency and they agree to it that's great. However, what about the original creditor, the credit card, I am assuming that would still be on my credit report and was wondering if there is anyway to get it removed once I paid the collections agency and they deleted it. I guess accepting the PFD agreement and paying it would be good since it is removing one thing off my report, however, it still would be there with the original creditor.

Any insight would be appreciated.

[ca's RIP]

hi, so just an opinion, but check w/ the oc first and see if you can make arrangements w/ them.
in my understanding, if you pay the oc then the ca has no basis for reporting and a dispute w/ the cra will delete the tl
if the oc has no records for this then a dispute should delete the tl as well and you can deal w/ the ca
i'm still new to this but the latter has been my experience