Company agreed to a PFD but now has labeled my account as disputed... HELP???

[sammc1987]

I have been dealing with Credit Protection Association.  I emailed someone there with a PFD saying I will pay in full in exchange to have this taken off my report and disclaimers about not admitting to the debt and all that and if I didn't hear anything in 14 days I would request full verification of the debt well here is what I received...

Mr.. XXXXXXX(me),

Mr. XXXXXX(original recipient of e-mail) forwarded your email to me in regards to the aforementioned account that was submitted to our agency for collections.

I placed the account in dispute status and sent a delete request to all three national credit bureaus.  Please allow 3-4 weeks before requesting an updated credit report, as it can take that long for the bureaus to process the request and update their records.

Please respond to me with any questions or concerns.

Sincerely,

XXXXXX X XXXXX (responder of e-mail),

XXX, XX

XXXXX XXXX

What exactly does this mean to have a 'dispute' status, are the expecting me to pay it or are they admitting that they have no proof and just removing it?  Should I leave it alone and not pay it or should I send payment??

Any help would be much appreciated!

[rckstrscott]

---

@sammc1987 wrote:

I have been dealing with Credit Protection Association.  I emailed someone there with a PFD saying I will pay in full in exchange to have this taken off my report and disclaimers about not admitting to the debt and all that and if I didn't hear anything in 14 days I would request full verification of the debt well here is what I received...

Mr.. XXXXXXX(me),

Mr. XXXXXX(original recipient of e-mail) forwarded your email to me in regards to the aforementioned account that was submitted to our agency for collections.

I placed the account in dispute status and sent a delete request to all three national credit bureaus.  Please allow 3-4 weeks before requesting an updated credit report, as it can take that long for the bureaus to process the request and update their records.

Please respond to me with any questions or concerns.

Sincerely,

XXXXXX X XXXXX (responder of e-mail),

XXX, XX

XXXXX XXXX

What exactly does this mean to have a 'dispute' status, are the expecting me to pay it or are they admitting that they have no proof and just removing it?  Should I leave it alone and not pay it or should I send payment??

Any help would be much appreciated!

---

I had the same issue with credit protection, and it came off in 3 weeks.. I was too skeptical of the dispute tag, as it makes no sense, but its possible they do that so they have it on THEIR side in a certain file or sometihng.. who knows.. but I had no issues with the PFD with them

-scott

[Joteism]

Hey - I've been trying to PFD with them too, but haven't gotten any response to my emails (info@ and artofcollectio@). Who did you email and how long did it take you to get a response?? Thanks!

[rckstrscott]

---

@Joteism wrote:

Hey - I've been trying to PFD with them too, but haven't gotten any response to my emails (info@ and artofcollectio@). Who did you email and how long did it take you to get a response?? Thanks!

---

My CPA file is at home, in my 'I used to be in huge debt and now Im in slightly better shape" file, but I promise to PM you my contact when I get home from work!

-scott

[Joteism]

Oh I have that very same file - Still long ways to go as you can see by my sig. Thanks a lot!

[rckstrscott]

---

@Joteism wrote:

Oh I have that very same file - Still long ways to go as you can see by my sig. Thanks a lot!

---

I stlil have a few too! its a fun game isn't it? ha

-scott

[sammc1987]

Just sent a response e-mail and indeed it is marked as disputed and the account is closed!  I was willing to pay money and close it but this was a much easier route!

[rckstrscott]

---

@sammc1987 wrote:

Just sent a response e-mail and indeed it is marked as disputed and the account is closed!  I was willing to pay money and close it but this was a much easier route!

---

Yeah. It should come off shortly; this is exactly what happend with my file... but YMMV

-scott

[sammc1987]

---

@rckstrscott wrote:

Yeah. It should come off shortly; this is exactly what happend with my file... but YMMV

-scott

---

YMMV?

[rckstrscott]

---

@sammc1987 wrote:

---

@rckstrscott wrote:

Yeah. It should come off shortly; this is exactly what happend with my file... but YMMV

-scott

---

YMMV?

---

your milage my vary...

-scott