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Valued Member
Supermommy
Posts: 34
Registered: ‎08-17-2009
0

Asset Acceptance

[ Edited ]

I'm just learning via BBB Asset Acceptance will be deleted!! They cannot validate especially when the company knows their wrong.. Yay!

Valued Member
CarlyK82
Posts: 55
Registered: ‎12-30-2012
0

Re: Asset Acceptance

Most companies will look for a way to settle things, especially when they are a BBB accredited company...however, it is VERY important to note that it is imperative that you always go through the proper channels and methods FIRST before going straight to the BBB. Having the timeline and the steps that you have went through to try and address whatever debt with whatever collector is REALLY important.

Officially in the garden...for like, EVER (or at least a really long time)


Starting Score: TU: 636 EQ: ?? EX: ??
Current Score:TU: 641 EQ: 643 EX: ??
Goal Score: 700s Across the Board


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Valued Member
Supermommy
Posts: 34
Registered: ‎08-17-2009
0

Re: Asset Acceptance

I tried going thru them and got "no-where".!

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Asset Acceptance

Congrats supermommy!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
Mish0817
Posts: 169
Registered: ‎12-02-2012
0

Re: Asset Acceptance

supermommy can you give background info?

 



Eq 675
TU 681
Ex your guess is as goodas mine!

Nfcu Cash Rewards 15000, Nfcu nRewards Mc 15000, Walmart 600, Target 400, VS 650,Capital one 3750, Us Bank 300, Discover 4500,Citi DP 1500, Chase Freedom 2000. And I'm done...... no more cards just going to tend my garden
New Contributor
lks638
Posts: 53
Registered: ‎02-01-2013
0

Re: Asset Acceptance

I just got a reply from Asset Acceptance as well after submitting multiple complaints and letters, they have agreed to cease all activities and remove the tradelines from all three credit bureaus!

Regular Contributor
Mish0817
Posts: 169
Registered: ‎12-02-2012
0

Re: Asset Acceptance

Me 2...   This must be in the air!!!! Congrats!!!!



Eq 675
TU 681
Ex your guess is as goodas mine!

Nfcu Cash Rewards 15000, Nfcu nRewards Mc 15000, Walmart 600, Target 400, VS 650,Capital one 3750, Us Bank 300, Discover 4500,Citi DP 1500, Chase Freedom 2000. And I'm done...... no more cards just going to tend my garden
Established Member
admise78
Posts: 24
Registered: ‎02-23-2013
0

Re: Asset Acceptance

I just got a response from Asset acceptance as well to complaint I submitted to the BBB.  They decided to stop all collection activities on the account and request its removal from my credit files!!!!!  My question is do they truly follow with the reporting agencies and actually request the removal of the tradeline?

Established Member
admise78
Posts: 24
Registered: ‎02-23-2013
0

Re: Asset Acceptance

If you want to get a positive response from them, you must file your complaint properly and show steps you have taken that solidify your complaint.  For example call the OC and get the name of the rep and the rep employee number.  Recorded the date and time of that conversation.  download a record app into your phone to record your conversation.  State the exact violation of the FCRA they are in violation to.

 

Example:

 

I am writing to place a complaint against Name of company  for conttinue to report and update account # XXXXXXXX to my credit files to the credit reporting agencies without proper validation that the debt is mine.  I called XXXXXXXXXX and spoke to XXXXXXXX with employee IDxxxxxxxx as they state and was told they have no record of the debt.  yet, XXXXXXX continues to update and report this account.  This is a violation of the FCRA.  How can they continue to update this account without validation. 

 

I got a response that they will request deletion within 5 days after placing my complaint via BBB.

 

Good Luck!!!

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

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