![]() Technically, pay for delete isnt expressly prohibited by the FCRA, but it shouldnt be viewed as a blanket get-out-of. More details on software and accessibility are available at . Phoenix Financial Services is a debt collection agency based in Indianapolis, Indiana. If a credit bureau fails to follow the FCRA rules, the consumer can sue. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. ![]() Further information is available in our FICO Data Privacy Policy. You may be able to get the collection entry removed from your credit report by asking for a goodwill deletion. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Pay-for-delete Agreement Hire a Professional Ask for a Goodwill Deletion If you have already paid the debt to Phoenix Financial Services, you may be worried that you don’t have any bargaining power. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. A borrower can initiate pay for delete by calling the collection agency or submitting a formal request letterknown as a pay for delete letter. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Many factors affect your FICO Scores and the interest rates you may receive. Equifax Credit Report is a trademark of Equifax, Inc. Ap Credit Having one or more collection accounts on your credit reports can raise a red flag when it comes to dealing with future lenders and credit card issuers. ![]() Learn moreįICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Your lender or insurer may use a different FICO ® Score than the versions you receive from myFICO, or another type of credit score altogether. All rights reserved.Īll FICO ® Score products made available on include a FICO ® Score 8, and may include additional FICO ® Score versions. ![]()
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