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

sammc1987 · ‎01-21-2013

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 · ‎04-25-2011

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): 05/12: TU: 722 | EQ: 712 | EX: 686
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
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX

Joteism · ‎11-14-2012

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 · ‎04-25-2011

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): 05/12: TU: 722 | EQ: 712 | EX: 686
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
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX

Joteism · ‎11-14-2012

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

rckstrscott · ‎04-25-2011

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

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
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
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX

sammc1987 · ‎01-21-2013

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 · ‎04-25-2011

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): 05/12: TU: 722 | EQ: 712 | EX: 686
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
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX

sammc1987 · ‎01-21-2013

rckstrscott wrote:

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

-scott

YMMV?

rckstrscott · ‎04-25-2011

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): 05/12: TU: 722 | EQ: 712 | EX: 686
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
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX

Rebuilding Your Credit

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

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

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

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

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

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

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

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

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

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