topic Re: Was this wrong? Just settled in Rebuilding Your Credit

Was this wrong? Just settled

ALD22 — Wed, 05 Dec 2012 19:36:50 GMT

Well, after my failed PFD attempts to Verizon they sent my account to Diversified Consultants. They have been calling non stop for about a week now. I finally had enough and answered today. They said i owed $920, Verizon only reported $754 last month. So I asked them to settle for 550, they accepted 578. Is this going to hit my credit report? Should I start sending to GWs to verizon to get them removed from my report? I wanted to just be done with it because they have been calling my work and my parents house.

Re: Was this wrong? Just settled

annielorie — Wed, 05 Dec 2012 19:41:51 GMT

I hate to say this but you should have PFD they can report on your file settled for less than owed. Try GWing now hope you have luck. Did they harrass your work place

Re: Was this wrong? Just settled

ALD22 — Wed, 05 Dec 2012 19:47:32 GMT

I don't know if I could have PFD'd for the CA. They haven't reported anything yet. They have called my work, but I work for the state and they had the number for another department. I just got an email saying they have been calling there. I just want the calls to stop, my parents are getting pissed.

Re: Was this wrong? Just settled

madmann26 — Wed, 05 Dec 2012 22:57:52 GMT

OP is right. It's hard to GW something that isn't there. While they can possibly report it, OP is going to have to wait and see.

Re: Was this wrong? Just settled

RobertEG — Wed, 05 Dec 2012 23:02:37 GMT

It is standard for consumers to request a modified type of PFD, which is obtain agreement NOT to report in exchange for payment.

Re: Was this wrong? Just settled

Shogun — Thu, 06 Dec 2012 04:03:48 GMT

Hopefully since they received payment and are done, they won't bother with reporting. I would GW verizon now if they are reporting.

Re: Was this wrong? Just settled

ALD22 — Thu, 06 Dec 2012 14:57:32 GMT

Shogun- Thats what I am hoping, they got their money and just wont bother to report it. I will still try to GW verizon to see if they will remove. What are the chances since they did send it to collections?

Re: Was this wrong? Just settled

Shogun — Thu, 06 Dec 2012 15:01:56 GMT

Verizon can be a tough one, but I've seen plenty of people GW them off. It may take a few times but worth the effort.

Re: Was this wrong? Just settled

Jutz — Thu, 06 Dec 2012 15:05:26 GMT

Shogun wrote:
Hopefully since they received payment and are done, they won't bother with reporting. I would GW verizon now if they are reporting.

This. Fingers crossed, more paper work = more expense, CAs care about the bottom line so hopefully they won't make the extra effort.