Reply
Established Contributor
Posts: 630
Registered: ‎06-20-2007
0

CA claims they had account when I paid the OC?

Thanks guys for all the help you provide here....
 
I have a problem with an CA who is reporting on my CR derog. And I settled and paid the OC.
Any Ideas as to what I can do to get them to remove their entry? I have disputed it with the CRA and the CA is reporting a paid date different then the OC.
9/18/08 TU=707 EQ=706 EX=702
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: CA claims they had account when I paid the OC?

Have you tried a GW letter?
Established Contributor
Posts: 630
Registered: ‎06-20-2007
0

Re: CA claims they had account when I paid the OC?

I have called the CA they are mad because the amount was paid to the OC. They claim they had the account at the time I paid the OC.  And they won't tell me the exact date they recieved it.
9/18/08 TU=707 EQ=706 EX=702
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: CA claims they had account when I paid the OC?

I would send a GW to the OC. Ask the OC to delete any TLs associated with the account.
Established Contributor
Posts: 630
Registered: ‎06-20-2007
0

Re: CA claims they had account when I paid the OC?

If they agree....they will contact the CA and they will have to delete also? And is there a proper verbage to use in this kind of request (GW)?
9/18/08 TU=707 EQ=706 EX=702
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: CA claims they had account when I paid the OC?



so_confused wrote:
If they agree....they will contact the CA and they will have to delete also? And is there a proper verbage to use in this kind of request (GW)?


They should. See the example letter in my sig. There is no "works for all" GW letter. You will need to modify it for your unique situation.
Established Contributor
Posts: 630
Registered: ‎06-20-2007
0

Re: CA claims they had account when I paid the OC?

Okay...thanks for the help...and congrats!!!!!!:smileyhappy:
9/18/08 TU=707 EQ=706 EX=702
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: CA claims they had account when I paid the OC?

[ Edited ]


so_confused wrote:
 
I have a problem with an CA who is reporting on my CR derog. And I settled and paid the OC.


Do you have anything from the OC showing PIF? If so, you could use that to dispute the CA with the CRAs.


Message Edited by Noah_Bodie on 06-22-2007 10:40 AM
Established Contributor
Posts: 630
Registered: ‎06-20-2007
0

Re: CA claims they had account when I paid the OC?

Yes i have a reciept...and a letter of agreemnet to settle the account.(this was before you all clued me in on PFD) .
9/18/08 TU=707 EQ=706 EX=702
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: CA claims they had account when I paid the OC?



so_confused wrote:
Yes i have a reciept...and a letter of agreemnet to settle the account.(this was before you all clued me in on PFD) .


I say then DV the CA and dispute it with the CRAs.
 
Seems the OC goofed by reported it to the CA before they reconciled the payment.
 
Don't send anything to the CA other than a DV letter asking for validation. They don't appear to have standing to report, so they should just go away.
 
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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.