Unique problem - coll act deleted?

Hi all,

I haven't seen this exact situation before and I'd appreciate some feedback:

I sent a validation letter to a local collection agency that was collecting a <$200 amount for my former bank.

They sent back fairly good documenation also CRRR. I think I have them for minor violations but nothing worth going to court over considering this is within the last 2 years and they have followed some of the rules. I have been building a case to try for payment for deleyion.

Meanwhile I had disputed with the one CRA that showed this account.

I hoped that I would catch them not reporting it as disputed when they 'verified.' Altho even that would be a little weak because they can continue to collect (I think) once they have validated to me.

Anyway - either they decided not to pursure this or didnt repond in time 'cuz it fell off the credit report after 30 days.

1) Should I just hold tight and hope it doesn't reappear?

2) Should I just send a check to the CA for the amount (even if the bank was scammy, I wouldn't mind paying a small amount to make sure it went away.) I'm afraid in this case the update to paid might put the whole mess on my CR again.

3) Should I send a letter along with check to CA highlighting their mistakes and making a deal, of delete for payment?

I assumed this one would be harder, and am suddenly unsure what to do.

Or is there another approach that might be best? What do you think?

Thanks,

Tom

 

If I take that approach and it does reappear, do I send a pay for delete letter that's all nicey nice or do I list their violations along with pay for delete letter in a much stronger tone?

And yes - I'll wait for something in writing before sending.

So is sitting tight the best strategy now?

Thanks,

Tom