Posted on: 07th Jan, 2008 03:27 am
I checked my credit report and have come across 2 negative items being reported. One of $45 and another of $30 both unpaid. I called up the collection agency and was told they won't be able to delete the accounts; if I could only pay them off they would report it as "paid off". What I'm concerned is, if they don't remove them, why should I pay, they said it would stay till 2010. What you guys think? What should be the right step now for me?
patricia...as i read back on all these posts (and keep in mind that the original poster NEVER got back on the forum to update anything), i believe it was my post that molson misinterpreted.
i feel quite certain banker is happy to receive your backing (bankers need all the backing they can get, after all), but i suspect you meant me. no loss, though.
keep up the good work (posting).
i feel quite certain banker is happy to receive your backing (bankers need all the backing they can get, after all), but i suspect you meant me. no loss, though.
keep up the good work (posting).
You may be right,posts can be very confusing sometimes to keep straight . That is funny about the banker needing backing..... :lol:
no doubt, patricia - humor is always welcomed. sometimes, these discussions get so serious they hurt.
you guys talking about me? :D
be careful or i'll go editing your posts lol
be careful or i'll go editing your posts lol
Never call them. Start by using the 1-2 punch on them:
When I was repairing my credit, this was the most beneficial thing to me. I had a couple verify with the CRAs that the information was correct (one being Afni) without ever responding to my request for validation. I sent Afni a firm intent to sue letter demanding deletion by a date or further action would be taken. It was removed. I also emailed their legal staff from addresses I found online.
The CA has 30 days to properly validate. Disputes with CRAs generally last 30 days as long as you dont call in with new information. They can then add another 15 days stating you have added new information, even if you haven't. Better not to contact them during disputes.
Thing is, for relatively old CAs or collections that have been passed on to Junk Debt buyers, they can't provide proper validation. One of their tricky techniques is to say they sent you a letter that you didnt respond to. That doesn't matter. They may send you a letter asking for more information such as ssn# etc, but as long as you provide the account # they are just stalling. Ignore it. 30 days have passed, you can assume the debt is not valid.
If they verify with the CRAs and don't validate, it's time for the ITS. A firm ITS. It's gonna be deleted or they are paying you $1,000.
When I was repairing my credit, this was the most beneficial thing to me. I had a couple verify with the CRAs that the information was correct (one being Afni) without ever responding to my request for validation. I sent Afni a firm intent to sue letter demanding deletion by a date or further action would be taken. It was removed. I also emailed their legal staff from addresses I found online.
The CA has 30 days to properly validate. Disputes with CRAs generally last 30 days as long as you dont call in with new information. They can then add another 15 days stating you have added new information, even if you haven't. Better not to contact them during disputes.
Thing is, for relatively old CAs or collections that have been passed on to Junk Debt buyers, they can't provide proper validation. One of their tricky techniques is to say they sent you a letter that you didnt respond to. That doesn't matter. They may send you a letter asking for more information such as ssn# etc, but as long as you provide the account # they are just stalling. Ignore it. 30 days have passed, you can assume the debt is not valid.
If they verify with the CRAs and don't validate, it's time for the ITS. A firm ITS. It's gonna be deleted or they are paying you $1,000.
Welcome Bobbybarger,
You seem to be new here. Did you introduce yourself at http://www.mortgagefit.com/introduce-yourself-5.html ? This will make your presence felt in this community as more and more people will come to know about you.
Coming to your post, do you mean to say that one shouldn't call up the collectiuon agency to remove negative item; rather one should contact the bureaus and get the error disputed.
You seem to be new here. Did you introduce yourself at http://www.mortgagefit.com/introduce-yourself-5.html ? This will make your presence felt in this community as more and more people will come to know about you.
Coming to your post, do you mean to say that one shouldn't call up the collectiuon agency to remove negative item; rather one should contact the bureaus and get the error disputed.
banker...trust me when i say that if i speak of you, it will only be in a good way! :D
and i dont think patricia has a mean streak, either.
and i dont think patricia has a mean streak, either.
Thank you George,you are right, I don't...lol :lol:
can you believe this? we have kept this particular thread alive for almost 2 full months, without the original poster ever having come back (unless it was with a different name).
well, we have had fun, haven't we?
well, we have had fun, haven't we?
i had fun....lol
Who knows george, he may have come back and read the whole stuff. :)
I think sometimes a person does not book mark a site and then forgets where it was. maybe they forgot about it all together. Or like Adonis said they may have read it all and had nothing more to add. :roll: Anyway it has been fun...lol
very true. I can only say that I have done that way too oftena nd never find it again.
Hate trying to dig something up again that has taken a long time to find, my favorites get so long sometimes, it is hard for me to figure out what is what.
I just sorted my favorites out the other day. I was even getting lost in it myself.