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Contributor
RichieNY
Posts: 118
Registered: ‎12-04-2008
0

Optima Recovery PFD truth?

Optima recovery systems holds a hundred dollar hospital debt of mine.

 

They called me and said theyd take it off my CR if I paid.

 

I told them I have no problem paying, just send the PFD in writing.

 

They said they couldnt legally send a PFD letter because they are in Tenn, BT he was like "you have my word if you pay this medical bill, we will delete it from your CR.."

 

anyone familiar with optima?

 

thanks!

Contributor
RichieNY
Posts: 118
Registered: ‎12-04-2008
0

Re: Optima Recovery PFD truth?

also, they said the update the 2nd of every month, so if I paid now January second it would be removed
Valued Contributor
demed
Posts: 1,255
Registered: ‎05-12-2008

Re: Optima Recovery PFD truth?

there is no law against the deletion of entire tradelines. in my book, no letter no money.
Feb 08 550s - Oct 08 700s
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Contributor
RichieNY
Posts: 118
Registered: ‎12-04-2008
0

Re: Optima Recovery PFD truth?

they said they will gladly delete it but a PFD letter is illegal they say haha

 

they said they will gladly delete the medical bill after payment

Valued Contributor
demed
Posts: 1,255
Registered: ‎05-12-2008

Re: Optima Recovery PFD truth?

i would gladly pay after I gladly receive the letter. :smileyvery-happy:
Feb 08 550s - Oct 08 700s
Thank you MyFico!
Regular Contributor
mechanicaljen
Posts: 130
Registered: ‎11-09-2013
0

Re: Optima Recovery PFD truth?

Dredging up an old thread.

 

I got the same schpiel from Optima about 3 weeks ago.  I decided to bite the bullet and trust his word.

 

They say that it'll show up in my CR by December.  Cross your fingers.



Starting Score: EQ: 570 TU: 626 EX: 594 (11/9/13)
Current Score: EQ: 663 TU: 648 EX: 650 (5/2/14)
Goal Score: 750


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Mega Contributor
RobertEG
Posts: 17,456
Registered: ‎03-19-2007
0

Re: Optima Recovery PFD truth?

Personally, I would pay.

While not "illegal" to send written agreement to delete based on payment, it is contrary to their credit reporting agreement with the CRAs.

They may have concern with jeopardizing their credit reporting agreement by leaving a paper trail of deletion in exchange for payment.

 

Additionally implied in their letter may be some concern over doing business in your state.  Are they licensed in your state?

 

I doubt seriously that they would want their dirty laundry aired in a breach of oral contract suit against them over the issue.

Once paid, they have no dog left in the hunt, and little reason to subject themselves to legal action.

Your call, but I would not insist on written confirmation.

Established Member
NOLABelle
Posts: 15
Registered: ‎01-27-2014
0

Re: Optima Recovery PFD truth?

Hi MechanicalJen,

 

Did you have any succes with Optima and the removal from your credit report despite their refusal to give you anything in writing?

Regular Contributor
mechanicaljen
Posts: 130
Registered: ‎11-09-2013
0

Re: Optima Recovery PFD truth?

Collection removed about 45 days after payment.  Verbal confirmation only - they would not provide anything in writing.



Starting Score: EQ: 570 TU: 626 EX: 594 (11/9/13)
Current Score: EQ: 663 TU: 648 EX: 650 (5/2/14)
Goal Score: 750


Take the myFICO Fitness Challenge
Established Member
NOLABelle
Posts: 15
Registered: ‎01-27-2014
0

Re: Optima Recovery PFD truth?

Thanks for sharing that info MechanicalJen!


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