General Credit Topics

[so_confused]

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.

[Tuscani]

Have you tried a GW letter?

[so_confused]

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.

[Tuscani]

I would send a GW to the OC. Ask the OC to delete any TLs associated with the account.

[so_confused]

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)?

[Tuscani]

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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)?

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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.

[so_confused]

Okay...thanks for the help...and congrats!!!!!!

[Noah_Bodie]

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so_confused wrote:

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

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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

[so_confused]

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

[Noah_Bodie]

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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) .

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I say then DV the CA and dispute it with the CRAs.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=4328

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.