I am writing this letter to EOS-CCA who sent me a settlement offer. This account is scheduled to fall off in Dec 2016 from TU and Oct 2016 from EX. I want this to be gone from y report if I am paying this off, otherwise I could have waited for another year. They have stopped reporting this few months ago so its not really dinging my score as much as the other items are.
I just want to make sure I don't write something stupid (although I copied this letter from one thread that was linked to my old question). Can someone who knows better look at this and see if it sounds okay. I will send it tomorrow (CM and not CMRR as I was advised against it) and hope they say yes this is acceptable.
Thank you for the all help in advance
This letter is to inform you that the validity of this debt is disputed. I am not sure of the account number, as I have never heard from you regarding this account. The account number I have is the one listed on my Transunion credit report.
In the spirit of compromise, I am willing to pay this account in accordance to the letter that was sent to me on 9th of October 2015 if you agree to immediate deletion of this account from any and all credit reporting agencies (Equifax, Experian and TransUnion). The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form.
If you agree to the terms and accept this agreement, credit card payment for the settlement amount of $309.77 will be made to Collection Agency in exchange for full deletion of ALL references regarding this account from my credit files and full satisfaction of the debt.
Collection Agency agrees to delete ALL information regarding this account from the credit reporting agencies WITHIN TEN CALENDAR (10) DAYS following receipt of payment as specified above and will not discuss the terms of this settlement with anyone, excluding your client on this account. If contacted by any third party, including credit-reporting agencies, Collection Agency will not acknowledge that any settlement offer was made, accepted or executed and will, in fact, deny knowledge of any such account.
If you agree to the above terms, please prepare a letter on your company letterhead explicitly agreeing to the same terms as the above settlement offer and have it signed by an authorized representative of Collection Agency. It will be implied that this letter shall constitute a legally binding contract, enforceable under the laws of my state.
Your response must be postmarked no later than 15 days from your receipt of this settlement offer or this offer will be withdrawn and I will request full validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act.
Please address all correspondence regarding this account to:
Noone?
