whats the best way to pay a debt off with triton

[Never-In-Doubt]

Re: whats the best way to pay a debt off with triton

Sorry by defaulted, I don't mean the just default - I mean derogatory markers. As they were a true reflection at that time then they'll stay - no matter what you do.

However if this debt is with a DCA then you'd be best offering 10% to settle in F&F to try and get rid of them, forget the credit file - the late payments make it bad anough so why worry wasting time on something you have no right to argue over?

ii if you missed then they will and have a duty to, report it to the CRA's - the same as if you paid - they'll report it with a nice green [0]

After 3yrs most lenders discount such data, so yours are all quite old surely?

If you're making a payment to the DCA they'll be recording AP or 0's - they have to.

[Groundhog]

Re:

We have a template where you haggle repayment for default removal but I've seen less than 5 successes to date. Mcguffick v rbs put paid to arguing this fact I'm afraid.

Sometimes best to pay a reduced f&f and wait 3yrs as after 3yrs it'll go unnoticed by most lenders anyway.

its not defaulted

[Groundhog]

Re: whats the best way to pay a debt off with triton

We have a template where you haggle repayment for default removal but I've seen less than 5 successes to date. Mcguffick v rbs put paid to arguing this fact I'm afraid.

Sometimes best to pay a reduced f&f and wait 3yrs as after 3yrs it'll go unnoticed by most lenders anyway.

its not defaulted

[Never-In-Doubt]

Re: whats the best way to pay a debt off with triton

We have a template where you haggle repayment for default removal but I've seen less than 5 successes to date. Mcguffick v rbs put paid to arguing this fact I'm afraid.

Sometimes best to pay a reduced f&f and wait 3yrs as after 3yrs it'll go unnoticed by most lenders anyway.

[Undercover Elsa]

Re: whats the best way to pay a debt off with triton

Hi,
It is doable...I had one completely removed from my file after an F&F, but it demands on the creditor/DCA. Some (most?) will leave it on and mark it either "partly satisfied" or "satisfied". It's down to negotiation and in this respect the more points of contention there are with the account, and the more desperate they are to get paid, the more likely they are to agree.
Problem is, the credit reference is just that..a reference of how the account was conducted, so unfortunately they can't be compelled to do it.

What's the background of the Triton account? Defaulted? still paying? Have you ever asked for a copy of the agreement?

Shep x

[Groundhog]

hey all

some how i have managed to get a loan so i can now pay off all my debts, what I need to know is whats the best way to do it?

I dont want to do a part settlement unless my credit file shows it paid in full the main people i would like to pay is Triton credit, they have been the worst by far, is there any way i could get them to change my credit file to show paid in full and have all the "missed payment markers" removed?