I had a credit card that was sent to collections years ago and then settled . I sent a GW letter asking the OC to remove the collections entry and got the response below.
Unfortunately, we are unable to comply with the customer’s request to remove certain information from the credit report. The reported occurrence will remain for a period of seven years from the date the account was paid in full.
The date of first delinquency will hit 7 years in August but the date it was paid to the collections company is only at 6 years. I thought the OC entry would be deleted 7 years from the DOFD not when it was settled with someone else. Please advise
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