I have a collection amount of $74, I had no idea about this until recently, and I don't recall it, but I am willing to pay it for deletion. I called the company (I know normally I wouldnt call but its over $74). And I told them I don't recall it, and it is 3 years old, would they accept a payment for deletion... They said it would show as paid. I said well alot of good that really does me, right now it will fall off in 4 years, if I pay it I'm stuck with it for 7, why in gods name would I pay it if it doesn't get deleted. I don't want to draw this out what would be my best avenue for getting this deleted? It has been disputed before, and verified. Do I have any violations here? They have NEVER contacted me, sent me anything, and yet it is on my CR?
I know what you mean, I have this account that just appeared out of nowhere. Is AT T Wireless for $1189! I never signed up with them! and at the present time I am disputing it that is mines.. but if they ever come with supporting document, then, I would pay what I owe, but only if they sign an agreement letter that says I would only pay, if they agree to delete.
I'm just trying to find some leverage, if I have a violation I'm pretty sure I can get them to agree to a paid for deletion.
what is the SOL in your state? do you know who the OC is? how long since the last delinquency to the OC? why would you think that? totally wrong. it should fall off 7 yrs from the chargeoff date (which is 180 days after account goes delinquent) maybe it should already be gone? i'm not surprised they turned down your 'pay for deletion' suggestion, since its such a small amount.
Dunno what the SOL is in IL, the OC was TCF Bank, the CA now is Proffesional Account Management. I am unsure of the original date, but this company has it listed as March 2000 which if this is what I think it is, then thats about right. Obviously I am not gonna reset the date by paying this and having them mark it as paid. I imagine it will prob hurt my score more then help it since it will show as recent insead of 3 years ago.
Any sample letters of trying to get a paid for deletion? I checked the sample letter forums, and I dont see anything. I am going to dispute this, but if that doesn't work I will just fire off a letter asking for payment for deletion. I have no reason to pay this if they dont accept that.
I'M THINKING (that's usually my first mistake) THAT THIS CALLS FOR THE VALIDATION TECHNIQUE EXPLAINED HERE AND THERE THROUGHT THIS BOARD. MAYBE IT MAY BE A HECK OF LOT EASIER GETTING SOMETHING DONE THAT WAY!!!!! I FIGURE THE AMOUNT THEY ARE ASKING FOR ISN'T WORTH THE FIGHT.
I'M THINKING (that's usually my first mistake) YOU WOULD DO BETTER AT VALIDATING THIS DEBT. IT MAYBE THAT THIS AMOUNT YOU OWE(not really you see) ISN'T WORTH THE FIGHT IN THEIR EYES.
I recently had the same issue with a different CA. They actually agreed over the phone (which means nothing) to delete it for payment in full, but wouldn't send me a letter verifying they would delete it for payment in full (they said I would be able to use that letter to get it deleted without paying them). Not wanting to deal with it any longer, I mailed them a cashiers check for $85.66 with notes that state "Account #: XXXXXXX - AGREEMENT TO PAY IN FULL FOR DELETION ONLY". When they cashed the check, I had the bank fax me verification that it was cashed as well as a scan of the cashiers check with the CA agents signature. Since they've refused now to send a letter of deletion or change its status to anything except "PAID" i'm going to (today actually) mail a letter to each of the reporting bureaus dispute department with the check, notes, verification, copy of the verbal agreement (I recorded the phone call) and as much information as I can find to show that the CA employs dishonest and illegal collection practices. The way I figure it, if they cash a check that clearly states they accept payment for deletion, then they (or the reporting bureaus) are legally required to delete it, or I'm entitled to a refund lol. I'm not entirely sure if thats how it legally works (and wouldn't be surprised if it wasn't) but I didn't really have any other options. Failing success in this instance, I will simply send 10 letters a day to both the reporting bureaus and the CA requesting deletion. Eventually they might get tired enough of me to just do it. The original creditor is Seattle Municipal Court for a parking ticket. They claim that they have no access to my credit report, but that only the CA can help me. I dont believe this is true, (i believe if the OC states to the reporting bureaus that the debt has been paid in full and should be deleted then the CAs employed by the OC are not able to report differently) Again though, I'm not sure on that.. but it seems reasonable. Anyone else have any other advice?
If you send 10 letters a day then you get red flagged and will never ever get a dispute changed or considered.In fact you'll be able to visit your letters at the landfill.
re: PFD. Many times, the CA cannot pull an accurate tradeline from a credit report. They can however, not validate one that's disputed. So, to keep it legal, you would have to dispute the tradeline with each CRA, then make sure the CA just ignores the validation request. If the CRA doesn't hear back from the CA within 30-45 days (depending on who you ask), the CRA has to pull the tradeline from your report and everyone saves face.
Perhaps true, but I don't view it as any different than not getting it considered or changed anyway. As far as them not being able to remove it, they've told me they could, but that they don't want to.
