Credit Card Center Advertiser Disclosure

Established Member
Posts: 38
Registered: ‎07-18-2007
0 Kudos

Sending a CA or OC a Check and Letter

Hey Fellow FICO psychos. I seen something this morning on here. I forgot the name of the subject. Anyways the person sent the OC a letter and a check with contigencies. I forget the name of this manover. I thought it was ilegal to. I forgot the name of it when you get a endoresd check and they fall into the contract. Can we use this and do it to Ca's and Oc's. I like it. I am just wondering how it would hold up. Take a look at the letter. Please respond and let me know. I wish I could remeber the person who posted it. It looks pretty dam tempting to do.

CA still with OC.
CA said will not delete, called OC and here is my letter to them.

Credit Department
Cox Communications
1550 W. Deer Valley Rd.
Phoenix, AZ 85027

Re: Account #: XX Cox Communications
Amount: $327.93

Cox Communications:

I just got off the phone with one of your wonderful Representatives Jessica. She was very helpful in providing the information I requested. Jessica informed me that by policy
Cox Communications will withdraw my account from collections and remove the negative entries from my credit report after full payment has been made.

In light of Jessica’s statement, I am willing to pay this account IN FULL if you agree to: Withdraw this account from your collections agency and an immediate deletion of this account from any and all credit reporting agencies (Equifax, Experian and TransUnion) Listed as Acct XXXX Credit Control Corp. The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form.

If you agree to the terms and accept this agreement, convert the attached promise into a Negotiable instrument in the amount of three hundred twenty seven dollars and 93 cents ($327.93) in exchange for full deletion of ALL references regarding this account from my credit files and full satisfaction of the debt.

Cox Communications agrees to have Credit Control Corporation delete ALL information regarding this account from the credit reporting agencies WITHIN TEN CALENDAR (10) DAYS following receipt of payment as specified above and will not discuss the terms of this settlement with anyone. If contacted by any third party, including credit-reporting agencies, Cox Communications nor Credit Control Corporation will not acknowledge that any settlement offer was made, accepted or executed and report the alleged debt as “unverifiable”.

If you agree to the above terms, please deposit the attached promise. Depositing this Negotiable instrument (see ARS 47-3104) shall constitute a legally binding contract, enforceable under the laws of
Please address all correspondence regarding this account to:


Posts: 47
Registered: ‎07-18-2007
0 Kudos

Re: Sending a CA or OC a Check and Letter

This thread talks about restrictive endorsements. Check it out. I think it will help in your decision.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.