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

Established Member

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

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!

Message 1 of 16
15 REPLIES
Valued Contributor

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


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

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Message 2 of 16
Regular Contributor

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

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!

Message 3 of 16
Valued Contributor

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


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

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Message 4 of 16
Regular Contributor

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

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

Message 5 of 16
Valued Contributor

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


Joteism wrote:

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


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

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Message 6 of 16
Established Member

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

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!

Message 7 of 16
Valued Contributor

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


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

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Message 8 of 16
Highlighted
Established Member

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


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

-scott


YMMV?

Message 9 of 16
Valued Contributor

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


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

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Message 10 of 16