OK fellow Pelicans, here's the deal...
I need to get something removed from my credit report. The story goes like this:
I had a collection account with a government agency, and now it's paid off. Before it was paid off, I got my case worker to give me a signed letter saying that once it was paid in full, "the collection will be deleted from your credit report."
Then, about a month ago, I got a letter from the same case worker saying that the account was fully paid.
Now, after disputing with the credit reporting agencies, Experian and Equifax, and getting nowhere I feel as if I'm at an impasse.
The government agency in NC (where I was raised) now says that their policy is not to remove these items, and this employee shouldn't have sent me this letter. However, it's still here, in my possession, and on government letterhead and signed.
Doesn't that make this a binding agreement. Can I sue for this and have a good chance at winning, and more importantly, can I get this handled without having to resort to all that unwanted hassle?
One of you guys has got to have some insight into this. The account in question is at this point causing unnecessary damage to my credit score, and severely impacting the ability for me to get a debt-consolidation loan with a decent interest rate.
I've been fixing and working on my credit since I got sober 4 1/2 years ago, and this is the last item, and I just need this to go away in the worst way.
Please somebody help me
