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Regular Contributor
ariesdreamer
Posts: 176
Registered: ‎03-20-2007
0

CA questions

Hi everyone! I'm a newbie here and have been reading the forums for the last week and it's just amazing at the information I've collected so I'm grateful for it! Anyhow, I have a few questions about CAs:
 
On my credit report, I have one CA, Palisades, which was hired by Verizon. I've never had an acct with them at all and I've received 2 letters from the CA wanting me to pay $366. How do I go about having it removed? It is the only CA on my EX CR that is showing.
 
Also, I have 2 old CA accts that I paid back in July 2005 that is reflected on my CR. Is it possible to have it deleted since I paid it and it's been 2 years? (Just being hopeful!)
 
Thanks!
Established Contributor
trinigal
Posts: 578
Registered: ‎06-18-2007
0

Re: CA questions

[ Edited ]
The 2 paid CAs, write Goodwill letters asking them to remove.  One of our moderators, Tuscani, provided some very good examples which you can find on the following link:
 
 
 
As for the Palisades collections, I would send them a debt validation letter, or you can dispute with all 3 CRAs as "not mine".
 
Hope this helps!
 
-trini


Message Edited by trinigal on 07-04-2007 05:24 AM
Regular Contributor
ariesdreamer
Posts: 176
Registered: ‎03-20-2007
0

Re: CA questions

Thank you Trinigal! I will dispute it with the CRAs first then try the GW letters if that doesn't work.
Valued Contributor
SmartCookie
Posts: 2,010
Registered: ‎07-01-2007
0

Re: CA questions

Just wanting to make sure you understood that trinigal is saying GW letters to each of the 2 old paid collections in hopes they will remove before SOL,
 
and
 
The Verizon/Palisades issue which you are saying is not yours you need to DV on any CBR it appears on. Only the 2 paid old CA issues are GW letter situations.  You can write the letters now as it is unrelated to the DV issue.  
 
BTW it is recommended that you do disputes/DVs on a paid CBR, not on the free annual ones.
EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: CA questions



SmartCookie wrote:
Just wanting to make sure you understood that trinigal is saying GW letters to each of the 2 old paid collections in hopes they will remove before SOL,
 
and
 
The Verizon/Palisades issue which you are saying is not yours you need to DV on any CBR it appears on. Only the 2 paid old CA issues are GW letter situations.  You can write the letters now as it is unrelated to the DV issue.  
 
BTW it is recommended that you do disputes/DVs on a paid CBR, not on the free annual ones.


Correct. And this is why:
 
 
 
 

 
Regular Contributor
ariesdreamer
Posts: 176
Registered: ‎03-20-2007
0

Re: CA questions

Thank you for the clarification SmartCookie! Everything is a bit confusing at first....:smileyindifferent:

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