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Calvary Portfolio GW

Member

Calvary Portfolio GW

Has anyone had luck getting a paid collection off your report? And if so could you PM me the email or address used? Thanks
22 REPLIES
Valued Contributor

Re: Calvary Portfolio GW

Did you get any information on Calvary? I sent them a DV for an unpaid account (OC Citifinancial)...I was planning to try to PFD the account is from 2004 or so...


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Current Score: EQ: 634 TU: 617 EX: 639
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Member

Re: Calvary Portfolio GW

New to the board. I am interested in the same info. Should I PIF first or is there any leverage to request a delete for payment ?, Thanks everyone.

My credit is like a car accident- It took a lot less time to wreck than it will to fix.
Valued Contributor

Re: Calvary Portfolio GW

I had a collection with Cavalry that is no longer on my reports. I don't think I did PFD, but I paid it. This was awhile ago, but I am pretty sure that I just asked them to delete after it was paid and they said it was not a problem. It was removed pretty quickly after being paid. I would call them and talk to them about it.
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Valued Contributor

Re: Calvary Portfolio GW


Jumpin-in wrote:

New to the board. I am interested in the same info. Should I PIF first or is there any leverage to request a delete for payment ?, Thanks everyone.


I think you should send them a DV (debt validation letter) before you send them anything. If they can't verify, then they can't collect.....do that before you make them any offers.


Starting Score: May 2013 EQ: 577 TU: 537 EX: 555
Current Score: EQ: 634 TU: 617 EX: 639
Goal Score: ALL 720+

In the Garden Until August 2018 Last App June 2016
border="0"Take the myFICO Fitness Challenge
Member

Re: Calvary Portfolio GW

Thank you, good idea. I will post my results.

My credit is like a car accident- It took a lot less time to wreck than it will to fix.
Epic Contributor

Re: Calvary Portfolio GW

Be careful with the DV.  If the debt is still within your state suing SOL and you cannot pay in full on the chance they do validate, they can sue you.

 

A DV, when timely, does put in place a cease collection bar but once validated they can continue to collect.   They also do not have to validate.

Established Contributor

Re: Calvary Portfolio GW

I just received my second letter from Cavalry in response to my DV. The first letter said they would investigate and get back to me in 60 days. Its now well over 30 days. The second letter I received today states that they are still attempting to validate throught the OC. The OC is HSBC. By now, everyone has heard and read all of the drama with HSBC. Cavalry also contacted the CRAs and notified them of a dispute. I contacted the CRAs and had the comments removed.

 

What should I do next? Just wait?? Does it really take more than 30 days to validate a debt?


Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


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Epic Contributor

Re: Calvary Portfolio GW

If they don't have anything or anyway to validate, yes, it could take a long time.

 

Since they have no time limit to get it done, there is little that can be done about it.

Established Contributor

Re: Calvary Portfolio GW

Okay, I'll wait it out.

 

Is it SOP to request documentation from the OC on a DV?   This will be interesting since HSBC is supposedly defunct...


Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500