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?
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
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.
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.
Did you have any succes with Optima and the removal from your credit report despite their refusal to give you anything in writing?
Collection removed about 45 days after payment. Verbal confirmation only - they would not provide anything in writing.