topic Newbie needs help.. I think I screwed up. in Rebuilding Your Credit

Newbie needs help.. I think I screwed up.

yo-upacreek — Wed, 03 Oct 2012 09:03:02 GMT

After 2 PIF I did a DV and think I should have GWed so I went back and sent a GW to the president of Allied Gollection Group for 2 medical PIF accounts haven't heard back on either letters. They were 2 weeks apart did I mess things up?

Newbie needs help.. I think I screwed up.

yo-upacreek — Fri, 05 Oct 2012 03:50:41 GMT

Re: Newbie needs help.. I think I screwed up.

RobertEG — Wed, 03 Oct 2012 10:41:06 GMT

If you sent a DV after the debt was satisfied, no harm done. It most likely now resides in the dumpster behind the debt collector's office.

A DV has two impacts, depending upon whether it was timely (i.e., sent without prior dunning notice, or if dunning notice was sent, within 30-days of their dunning).

If timely, it invokes a cease collection bar on them until such time as they provide the requested debt verification.

If untimely, it invokes nothing.

If the debt has been satisfied, the debt collector is no longer conducting further collection on the debt, so even if timely, they wont care.

No response required, so probably no attention given.

Just forget you sent it, and go on about your GW efforts.

Re: Newbie needs help.. I think I screwed up.

Shogun — Wed, 03 Oct 2012 12:46:22 GMT

+1 Don't worry about the DV, you sent the GW. Some will actually delete so as not to waste money and man hours with the disputes. Good Luck!

Re: Newbie needs help.. I think I screwed up.

yo-upacreek — Wed, 03 Oct 2012 15:30:29 GMT

Thanks RobertEG for the help.

Re: Newbie needs help.. I think I screwed up.

yo-upacreek — Wed, 03 Oct 2012 15:32:04 GMT

Thanks For the answer Shogun.

Re: Newbie needs help.. I think I screwed up.

yo-upacreek — Fri, 05 Oct 2012 03:32:54 GMT

I received 2 identical responses (there were 2 accounts) from Allied today. Is there a chance the hospital will report to the CRAs, I paid the CA on both accounts and the letters both show $0 balance?

Upon notice of your dispute regarding the above account, Allied Collection Service has reviewed the details and discussed your dispute with the creditor.

Let this letter serve as your notice that Allied Collection Service will not be pursuing collection of this account. We have closed the file and returned the account to your creditor.

This account will be removed, or will not be placed on your credit report.

Re: Newbie needs help.. I think I screwed up.

Shogun — Fri, 05 Oct 2012 03:31:25 GMT

These were PIF? Then don't worry about it. They shouldn't show back up again.

Re: Newbie needs help.. I think I screwed up.

yo-upacreek — Fri, 05 Oct 2012 03:34:13 GMT

Thanks