What should I do if a creditor refuses to delete negative credit items as part of a debt settlement agreement?

If a creditor refuses to delete negative credit items as part of a debt settlement agreement in California, it is important to take immediate action. First, you should make sure you have a written agreement with the creditor detailing the terms of the debt settlement agreement. You should then contact a consumer rights lawyer to dispute the creditor’s refusal. You can also file a complaint with the Consumer Financial Protection Bureau or your state’s attorney general’s office if you believe the creditor is engaging in unfair or deceptive practices. Additionally, you should contact a credit counseling or debt settlement agency to explore other options for reducing or eliminating the negative credit items. These agencies can work with you and the creditor to try to come to an agreement. In some cases, they may also be able to negotiate a settlement with the creditor in which they agree to delete the negative items from your credit report. In any case, it is important to document all of your interactions with the creditor and to keep copies of all agreements and communications.

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What should I do if a creditor refuses to delete negative credit items as part of a debt settlement agreement?

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