So I finally pulled my TU FICO which is in the 530's as opposed to my EQ being in the 570's because more things are reporting on TU. I remember disputing this via the website and them replying a month or so later saying that the debt was valid.
Collection on debt to: 01 Literary Guild Select Book Clu
The collection agency "Rjm Acq Llc" was hired to collect a debt of $81 originally owed to "01 Literary Guild Select Book Clu" on account number "XXXXXX4200".
Collection agency [?]Original balance [?]Current balance [?]Date assigned [?]Original lender [?]Account number [?]Account holder [?]Account descriptions [?]
| Rjm Acq Llc |
| $81 |
| $81 |
| Dec 07, 2010 |
| 01 Literary Guild Select Book Clu |
| XXXXXX4200 |
| Individual |
| Placed for collection |
I legitmately do not know what this debt is about or where it came from. Moreso, there's no way even if we did sign up for this that I used my social...so are they just reporting by name? I assume PFD would be the route to go on this?
Starting Score: EQ: 383 2/2011
Yes, a PFD would probably be the way to go. My wife belongs that Literary Guild, I have no idea why. It reminds me of the old Columbia House records. They send you crap and if you don't turn it down, you pay for it.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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!
June 2017 update: All scores over 820, just pure gardening now.
Question, when sending a PFD, since I have never done it, I will be starting in a few months, is it a good practice to send the amount you are attempting to PFD for via check and stating in the letter that cashing the check is acceptance of the terms and deletion? or can they just cash the check and screw me?
I liken it to showing someone $1500 cash when they want $2000 for something...money talks but it may not apply here. Thanks!
So your advice is to DV the book club as they are reporting the collection?
It is actually in the hands of RJM ACQ according to the report.
Ok.. You aren't aware of having the account? Then of course a DV would be appropriate. The part about sending the check with a PFD for endorsement isn't a good idea. When doing a PFD just send a letter requesting the PFD and ask for their acceptance in writing. If they agree, then pay.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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!
June 2017 update: All scores over 820, just pure gardening now.
So....lol....I just called the number listed on RJM's website and spoke to a lady named Alicia about the $80 something dollar debt. She explained the names of the books that were ordered and I said ma'am...I have no recollection of this at all, and it's from 2007. She said "Did you order the books?" I said "Not to my knowledge at all" and she said "Ok, we will close the account and delete the collection from your credit reports."........wow. Too easy. I'm not sure this will have some "huge" effect on my credit score, but awesome start to getting some things removed!