Need help with strategy. Facts: Providian C/O in early 2002. Providian sends to various CA, able to fend them off. Early 2003 I send Providian FCRA 623 letter, they update account to PIF balance $0 Mid October 2003 receive collection letter from Van Ru, they say they are collecting on behalf of Palisades. Send Van Ru DV â?? no response to date. Call Providian, they say account sole to Asta Funding aka Palisades for $91.62 Today, December 10, pull TU, Palisades listed as a collection account. Placed 8/2003. Now, I pull my reports every month, Palisades did not show in August, September, October or November. So how can they claim it was put on my report in August? My plan is to dispute with CRA, wait for green card then send DV to them. Should I also send a FCRA 623 letter at the same time as the DV or wait?? Any thoughts??
I would send the DV first if this is the course you decide to take and then dispute with the CRA's. Wait until you get the green card back from the CA and then dispute with CRA's. This way the CA is locked in on his timeline. I would wait on the FCRA letter. Another thought is to try and negotiate a settlement with CA if you KNOW this is yours........basically pay 50% for deletion. Palisades is a pain i the A** to get off your report and they will place multiple entries if you don't jump on them fast. They have 4 separate entries on my CR for a dispute over $35 long distance bill. But that's OK because it may cost them $3500 before it's all said and done. My ITS letter was just sent yesterday.
My plan is to dispute with CRA, wait for green card then send DV to them. Should I also send a FCRA 623 letter at the same time as the DV or wait?? Any thoughts?? ================= WHY PUT THE CART AFORE THE HORSE SOS YA CAN'T EVEN GIT OUTTA THE BARN? >------------------------------------------------------>>
