07-05-2013 01:44 PM
07-06-2013 12:29 PM
If the account was sold to the CA prior to the BK, both of them can report.
One is the OC account reporting their CO the other is the CA account reporting their collection of the CO. Both should reflect IIB.
07-06-2013 12:33 PM
I would dispute portfolio as no basis to collect. I would also send them a DV while disputing. You should be able to remove all collection accounts with aggresive disputing and DVs.
07-06-2013 12:48 PM
07-06-2013 12:57 PM
07-08-2013 03:02 PM
07-08-2013 04:58 PM
Shols44 pardon my ignorance whats a DV?
DV is short for debt validation. This is the starting point for dealing with collections. The collector essentially has to prove that they own the debt and have basis to collect. This means showing the original debt, acquisition of that debt and their right to collect on it. Most collectors are horrible at record keeping and can't back up their cliams most of the time. If they can't validate, they are obligated to cease debt collection efforts.
I did the tango with Portfolio a while back, sent them a DV letter CMRRR, no response, disputed with CRAs as "refuses to validate, no basis for collection, attempting to collect a debt discharged in BK". Deleted 2 days later. 1 week later, they attempted re-insertion, I caught it early at 7am, disputed as "reinsertion, non-validated, bastard bottom feeders (not exactly but how i really feel) and it was deleted 2 hrs later.
Be agressive with collections until they are gone! If one of them makes a mistake and returns verified, followup with a 623 investigation.
07-08-2013 06:26 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.