Credit Card Center Advertiser Disclosure†
11-12-2012 11:32 AM
Its a 561 dollar debt. And since its past the SOL hopefully I can try and settle with them. Its the OC, its not been sent to a CA for whatever reason. Just really rubbed me the wrong way when they said I had to pay 25 dollars to even get a statement at all. It just sounds insane to me. Thank you all very much for all of your help with this.
11-12-2012 11:44 AM
So they wanted $25 dollars for you to pay the bill? Sounds fishy to me. Direct dispute them, make them pull it out of archive.
11-12-2012 11:46 AM
11-12-2012 11:51 AM
Being a creditor, they are not subject to the FDCPA debt validation process, and thus any request to them for verification is a request for personal service.
Direct dispute is certainly an option, however to require investigation, it would have to provide some basis for asserting the invalidity of the debt.
Unlike the DV process, which does not require documentation of any inaccuracy, the dispute process permits the furnisher to dismiss any dispute that does not meet the burden of asserting an actual inaccuracy. Disputes are not fishing expeditions that compel investigation of unasserted inaccuracies.
11-13-2012 07:50 AM
ummm, I wonder if they are asking for the $25 to reset the DOLA so the SOL starts again? IDK, just thinking out loud, but it seems very strange they would ask for $25 to pull out the info on an old account. That would be a pretty dirty trick IMO.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.