Success with Pay to Delete June 2012

Hello,

I tried posting in sample letters section. Mods feel free to move. Also I can't seem to add pictures. Sorry the pictures I mentioned of the letters I received from the credit agency are not included

I thought I would share some excellent news about my recent pay to delete experience with one collection agency, before asking for advice on how to proceed with a difficult one. Obviously I've crossed out my information and I have crossed out the Collection Agency worker who helped me. i dont' want to get him in trouble and fired. We need good people working for collection agencies who will work with us!!

My first experience has been a great one with
NCC, Commonwealth Financial Systems Inc
245 Main Street
Dickson City, PA 18519-1641

NCC has 2 accounts that I owed.
Account 1, originally with HSBC, was listed on transunion and equifax twice as a collection account with NCC *and* as the original account in collections status under HSBC (Household Bank / Orchard).
Account 1 was listed on experian only as a collection account with NCC.
Account 2 was an old AT&T mobile account listed with all three credit bureaus but only under Commonwealth as a collection account. I should mention these were very old accounts and the last letters I received from NCC/Commonwealth were at least 6 months old.

I use truecredit.com as a credit monitoring service, this allows me to have a copy of my credit report with all three bureaus onece a month and update the transunion report once a day.

So on April 18, 2012 I ran all three reports and the accounts were listed as I mentioned above.

On May 2nd I sent
1. the sample letter-1 I have pasted below
2. along with a copy of my April 18, 2012 report showing only the accounts with NCC/Commonwealth
3. most recent copies of demands for payment for each account I received from NCC/Commonwealth

On May 14 I received
1. 2 letters shown below - obviously I have crossed out my information, letters dated May 9 one letter for each debt I mentioned in my original letter
>>>>>>>>>>> Sorry I could not attach or upload pictures the letters basically say: We agree to your request <<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<

On May 29 I sent - yes I waited until the last minute because why else would I be in this situation
1. 2 money orders, 1 for each account
2. Copy of everything I sent May 2nd: sample letter-1, copy of April 18, 2012 report, copy of most recent copies of demands for payment for each account
3. Copies of the two letters I received May 14
4. I sent the payment overnight mail from us post office. Because this was an overnight letter I could not also send it certified. The post office explained this was because the certified form has it's own tracking number, and the overnight mail addresse form has a tracking number, so applying both forms would give the envelope two tracking numbers and that's something they can't do, which makes sense to me

On May 30
1. I checked the usps.com website and verified the letter had been delivered
2. I called the "Debt Liquidation Specialist" i.e. customer service representative at NCC and told him I sent the payment and gave him the tracking number. He called me back in 30 minutes to say yes he had the payment in hand

On June 18 I sent
1. Sample-letter-2 I have pasted below reminding credit agency of their agreement to remove
2. I went to usps.com and printed the tracking information showing the payment had been received by NCC and included this
3. Copy of the stamped express mail addresse form, stamped shows It was received at the post office
4. Also sent a copy of everything I sent May 2nd: sample letter-1, copy of April 18, 2012 report, copy of most recent copies of demands for payment for each account
5. Copies of the two letters I received May 14

On June 27 I ran a copy of all three bureaus through my truecredit.com subscription and both collection accounts under NCC/Commonwealth were removed from Experian and Equifax.

On July 1 I ran an update of TransUnion and both collection accounts under NCC/Commonwealth were removed from Transunion!

Now the duplicate listing under HSBC Bank is still on Transunion and Experian, but I expected this. On July 2, 2012 I have submitted requests for these to be deleted through online disputes with both companies. I have to wait 45 days for the results. If they don't agree to remove then I will submit a dispute through the mail and include copies of the letters NCC/Commonwealth sends me.

I'll let you know how it goes and hope this detailed report helps you. Now on to my request for advice. I have put it in a different thread just to keep things easier to read

--------------------------------------------------------------------------------------------
Sample Letter-1
NCC, Commonwealth Financial Systems Inc
245 Main Street
Dickson City, PA 18519-1641

Date: May 2, 2012

Re: NCC/Commonwealth Account Numbers 98765432 (Original Creditor: AT&T Wireless Account Number: ABCDEFG) and 12345678 (Original Creditor: Household/Orchard Bank Account Number: GFEDCBA)

To CUSTOMER SERVICE REPS NAME ON BILLS I RECEIVE – Ext 123:
This letter is in response to your letters related to the accounts listed above. I have attached copies of each to this letter. I wish to save us both some time and effort by settling this debt.

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing, including sending a request to delete the account from the credit file to all credit reporting agencies since you are the information furnisher for both accounts which are listed both under your company name, and in the case of account 12345678 is listed under HSBC Bank.

I am willing to pay $148.98 USD as settlement for account 98765432 and $316.14 USD as settlement for account 12345678 in return for your agreement to consider the debt paid in full and remove all information regarding these debts from credit reporting agencies TransUnion, Experian and Equifax (for account 12345678 both listings under Commonwealth Financial and HSBC Bank must be removed) within 30 calendar days of receiving payment.

If you agree to the terms, I will send, via certified mail, Western Union Money Order payment in the amount of $148.98 USD and $316.14 USD payable to Commonwealth Financial Systems in exchange to have all information related to these debts removed from all of my credit files.

If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Commonwealth Financial Systems Inc. The letter will be treated as a contract and subject to the laws of my state.

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 30 days, I will withdraw the offer and request full verification of this debt.

Please forward your agreement to the address listed above.

Sincerely,

MY NAME

---------------------------------------------------------------------------------------
Sample Letter-2
NCC, Commonwealth Financial Systems Inc
245 Main Street
Dickson City, PA 18519-1641

Date: June 18, 2012

Re: NCC/Commonwealth Account Numbers 98765432 (Original Creditor: AT&T Wireless Account Number: ABCDEFG) and 12345678 (Original Creditor: Household/Orchard Bank Account Number: GFEDCBA)

To CUSTOMER SERVICE REPS NAME ON BILLS I RECEIVE – Ext 123:

This letter is a reminder of our agreement to remove all information regarding the debts listed above from credit reporting agencies TransUnion, Experian and Equifax within 30 days of your receipt of payment.

I have attached copies of my request for this agreement, your letter in response, copies of payment I sent and finally a print of tracking information verifying you received payment on May 30, 2012.

I appreciate your prompt attention to this matter.

Sincerely,


MY NAME

---------------------------------------------------------------------