settlement question, please help:)

Discussion in 'Credit Talk' started by phxbbw6ft1, Oct 11, 2002.

  1. phxbbw6ft1

    phxbbw6ft1 Well-Known Member

    I've had Providian on my CR since 3/99 I owe like almost $800. I started getting letters from RMA a couple months ago. They are also now on my CR to.
    I week ago I received an Settlement offer. In the amount of $400. I have a couple questions...

    1. If RMA is reporting on my CR is Provian allowed to still be on there? How do I get them off, I've disputed with CRA's and only managed to get them off one report in the past. How can I get them off now?

    2. What should I do about this settlement offer? I'd pay, But I want them to delete themselves off my CR. How do I go about doing that?


    Thanks so much for the help...ME
     
  2. javan

    javan Well-Known Member

    Dont accept ANY offer from RMA! Send them a validation letter..make them prove their right to collect this debt and prove that you owe this debt. Look in the letters section for a sample of a validation letter.
     
  3. phxbbw6ft1

    phxbbw6ft1 Well-Known Member

    Have you dealt with RMA before? I take it they're crooks.....
     
  4. javan

    javan Well-Known Member

    Yes I have..and Yes they are!

    I had an tradeline from RMA on my EQ report. I sent several validation request, estoppel, and intent to sue. They never responded to any of my letters. All the while, I was disputing with EQ and it was finally deleting.

    good luck
     
  5. phxbbw6ft1

    phxbbw6ft1 Well-Known Member

    Thanks for the warning Javan :)
     
  6. creditdog

    creditdog Well-Known Member

    Javan, what finally turned the corner with EUI on the RMA account? I am currently in the same place with the wife's account?
     

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