10-04-2012 11:44 AM
I also had Asset Acceptance agree to drop efforts and delete tradelines today by a BBB complaint, just found out today. Should it also drop things from the original creditor, or is that another battle?
10-04-2012 11:45 AM
that's another battle. in my situation oc was chase and they GW deleted
10-04-2012 11:51 AM
I thought that might be the case, maybe since the BBB reponse was "AALLC has ben informed by the selling creditor that additional documents that support our claim are not readily available at this time" I can use the same approach.
10-04-2012 11:56 AM
who is your oc?
12-07-2012 09:53 PM
Just wanted to thank the original poster for this piece of info. This worked with my situation as well....
On a side note, I think the reason that AA does this is because their agreements (like other CA's) with the CRA's is that you cannot accept PFD's. However, when some complains that the info is inaccurate and AA could show the CRA's the paperwork (such as the BBB complaint), then allowing the deletion for that reason would be accepted (or at minimum wouldn't violate their terms of service. I don't blame AA for doing it this way, they are just protecting their business...
On another side note, I called them initially to settle the debt and they were very easy to work with IMO... I would recommend to anyone to settle with them if need be, and then if you need it removed from you CR, to handle that after....This is plan b, that is, if they won't accept PFD.
If only MIdland would handle it like AA, then maybe they would get some of my money also....
01-08-2013 04:07 AM
I tried this method and Asset Acceptance did not agree to delete. They are reporting as a factoring company and 120 lates on my husband's account which is paid. Any ideas how to proceed from here? I wrote back that I did not agree to the resolution.
01-13-2013 10:57 AM
I got Asset Acceptance to remove the Collection from my account as well using the BBB route. They responded very fast and didn't give me any issues. Same letter. My score only improved about 9 points and all I have left on my account is Chase's charge off from 6 years ago. I guess that is what is really holding my score back.