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Thank You for responding
After looking at my CR again, I’ve found these dates for my bad debt/write off:
Status of Jan, 2008
Date opened Jul, 2001
Date of last activity Oct, 2007
Date closed May, 2003
Approx total amount left 750$
It’s being reported on my CR from the OC of APPLIED CARD.
The CA however is First National Credit Bureau, and that is who I’ve been sending payments to and is the collection agency I sent the letter to requesting to be able to pay a portion (%) of the Total Sum.
In that request letter I did not request a deletion or even mention my credit.
I still haven’t heard back from the CA yet (it’s only been a few days).
I’ve been making payments on and off for the past 6 months or so. I assume I reset the SOL because of this.
I want to get this deleted off of my CR and not quite sure which step is next.
Any advice on how I should move forward is greatly appreciated.
I am going to post separately the letter that I mailed out last week .
Thanks again!!
Kelly
The letter I sent out last week requesting settlement from CA.
First National Collection Bureau Inc
Dear Collections Officer,
This letter is regarding myself, Kelly X and my account(s) with First National Collection Bureau.
I have had two collection accounts with FNCB. Both accounts have the original creditor of - Cross County Bank and have been transferred to current creditor Applied Card Bank.
Account numbers for the two accounts are XXXXXXand XXXXXX. I am not aware if these accounts have been combined or not.
I am writing to acquire about the current balances of my accounts and ask if I could get and or/ pay a settlement percentage so that I may pay this debt off quickly?
In the past 35 days I have sent First National Collection Bureau approximately $686 dollars in a series of checks to show my good faith in wanting to pay off this debt. I would like to pay off this collection in full but I am currently unemployed due to documented medical reasons and that’s my basis for not being able to take advantage of the 1st offer sent by FNCB to me on Jan 11th 2008 and why I am writing requesting First National to allow me a second opportunity to have a percentage settlement on account(s) current value as of February 29th 2008.
And some addtl updated info. That was about it.