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AlishaR wrote:
She said otherwise it would have to be on there as a pif for 12 months and they would take it off for me.
@jj15 wrote:
So you haven't paid it yet sasmith?
I tried the backdoor number too and got a Becky to answer. My library account was paid off and she told me that after 1 year, the CA TL would automatically be deleted. After I pressed a bit, she said that if the OC contacted Unique saying that my original debt was incorrect, the CA TL could be axed sooner than the 1 year.
Next step for me is contacting the library hoping I can gain some ground there.
Maybe you'll have better luck with Becky, sasmith! Let us know what happens.
My husband has a collection with UNC so now I'm digging out this old post too!
He has a $77 library fee that is now a collection on his credit report with UNC. I am going to send a PFD letter to UNC. However, two questions:
1) Has anyone had PFD success with UNC?
2) Is there any reason I shouldn't email a PFD letter?
UPDATE to my last post:
I contacted the library that had sent me to collections originally. Since the debt was paid off, I felt that I could appeal the good senses of the library people. Anyway, I had lots of communication with the library via email, originally with the staff manager, who eventually escalated the problem up to a higher director. LONG story short, the director did something and contacted Unique and the tradeline was deleted in less than a month from all the bureaus.
I guess the point of the story is that Unique will delete the item quickly at the behest of the library; so I guess you might want to consider developing a good relationship with your local library management.
I know that's not really the answer to your question but maybe it can provide some alternatives in case the PFD doesn't work.
Actually, that's very helpful!
This is on my husband's credit report so I called him and he reminded me that he did pay this a few months back and the library said they would have it deleted. While they obviously did not, he is going to follow up with the library to see if he can get it removed that way.