Originally Posted by james_e69

Z, I respectfully disagree. I even found on this board where someone else was talking about the same exact thing. A contract does exist between you and the OC, but not you and the CA. They don't have the right to sell or assign your contract giving the CA the right to collect form you. It's not a mortgage that can be sold or assigned. There has to be extreamly specific language in any contract spelling out where they have the right to sell or assign your debt. VERY FEW OC's have this and in fact it has to be their own internal collection agency for this to apply. That I'm aware of only American Express has their own internal agency, and maybe one other CC bank.

The bottom line here is irrespective of your opinion that a contract may exist w/ a CA from on OC, my 20 years of credit rebuilding experince tells me there never is. My letters have NEVER failed to work. Beyond that if they refuse to provide POC there's allways the FCRA 623 Challange. My system has never failed, given the right amount of letters, and law to clean up and remove any and all deregatroy items from creidt reports, including tax liens, judgments, and bankruptcys. The longest I've ever taken to have a credit file complety sanitized is 11 months, with average time being 6-7 months. You see I have a business partner who was a senior exective with Equifax for 20 years. So I probably know more than the average "secrets" for cleaning up a credit file.

Bottom line: There's nothing you can't get off your CR if done correctly.