butterflygirlinluv wrote:
AFTERMATH,
The OC is Credit One (CC) and the CA reporting is Cach, LLC. It is a CO. Credit One is not reporting just the CA.
How do I know if the CA purchased the debt? Should I call OC and ask?
I also have another account in Collections-Cingular and the CA is Afni. BUT AFNI is reporting this and AFNI-BLOOM is as well. SAME town/state, DIFFERENT PO BOXES and PHONE #"s...any advice on this?
Thank you sooo much!!!!!
You can tell if the account was purchased by the CA by looking at Credit One on your credit report. Under status, what does it report? If it only says Charged Off, then you have an AWESOME chance of killing 2 birds with one stone, as long as it doesnt state that it was sold/transferred/factoring account.
In this case, write a PFD to Credit One. Tell them you are willing to pay back every single penny that you owe them. Also, explain your reason(s) as to why you have been late, and include any reference to any good evidence that you have to back it up(family death, job layoff, etc.) Remember to be VERY courteous, respectful and also VERY apologetic as to gain some sympathy from them in regards to your request. Also request that they have their collection agency's reporting be removed as well. Remember, the collection agency works for the OC. Disputes with a CA collecting on behalf of the OC will usually not fall through, because their orders are to collect money on their behalf. They won't erase anything unless told to do so by their employer the OC. Whatever the OC tells them to do, they will have to comply, they are basically their "employee".So dealing directly with the OC in this case is your best route.
Asuming everything will go smoothly:
1) PFD the OC
2) OC will accept offer and delete the negative information on your reports.
3) OC will order the CA to remove their reporting, and cease communication.
4) Cerdit report is now clean.
In regards to your Cingular, i've never dealt with the collection practices of a Cellular phone company, so i'm not too familiar with how to deal with them. You can try to do the PFD as above with the OC and request the similar requests.
For both scenarios, if the OC will not accept your PFD, then PFD the CA. Make sure they agree to removing their collections from your credit reports before sending them any money. Once the CA is satisfied with the payment, and after verifying that their collection is removed from your credit reports, GW to OC stating that you paid this debt to the CA and follow the same guidelines as above (be respectful, courteous, and apologetic.)
Good luck and let me know how it goes!
Message Edited by aftermath on
06-12-2008 01:57 PM
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