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Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

Re: DV'd through email

So, I emailed them again and gave an offer... someone from the office replied and said they can't take the offer... "if i pay the full amount by 10/31, they will delete"...lol...he gave me one day!!!! haaaa... the worst deal ever!!


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
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Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

Re: DV'd through email


MikeC80 wrote:

What's the name of the collection company?


it was fidelity credit services


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Contributor
diabla
Posts: 230
Registered: ‎10-01-2012
0

Re: DV'd through email


kobe2012 wrote:

So, I emailed them again and gave an offer... someone from the office replied and said they can't take the offer... "if i pay the full amount by 10/31, they will delete"...lol...he gave me one day!!!! haaaa... the worst deal ever!!


LOL, that's horrible!  How bad is it hurting you?  If its not causing you too much trouble, I'd let it drop before I paid them in full.

 

My ex had a collections from 2002 for $1000, they offered to settle for 10%, lol.  Way past SOL and probably not even on his report any longer, they just want something, anything, to keep their lights on! 

 

I'm surprised your CA is not being more flexible.  Maybe they think they will try for the highest first before they fold.  Try an actual letter instead of an email, it might go to someone different who will accept.

Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

Re: DV'd through email


diabla wrote:

kobe2012 wrote:

So, I emailed them again and gave an offer... someone from the office replied and said they can't take the offer... "if i pay the full amount by 10/31, they will delete"...lol...he gave me one day!!!! haaaa... the worst deal ever!!


LOL, that's horrible!  How bad is it hurting you?  If its not causing you too much trouble, I'd let it drop before I paid them in full.

 

My ex had a collections from 2002 for $1000, they offered to settle for 10%, lol.  Way past SOL and probably not even on his report any longer, they just want something, anything, to keep their lights on! 

 

I'm surprised your CA is not being more flexible.  Maybe they think they will try for the highest first before they fold.  Try an actual letter instead of an email, it might go to someone different who will accept.


Its a 6+ old account..is about to drop on 7/2013 or 8/2013 ... Its not really hurting me as i got the cards i wanted and will be gardening for a while.. i was hoping they will take it since its gonna be deleted soon... Lol, but of course, they will try to do their best to make money...oh well, ill probably just wait 8 months 


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Mega Contributor
RobertEG
Posts: 18,139
Registered: ‎03-19-2007
0

Re: DV'd through email

You can certainly, based on its impending CR exclusion, choose not to pay the debt.

 

However, there are still compelling reasons to do so, outside of simple credit report issues.

 

While future creditors wont be able to uncover the fact of old, unpaid delinquent debt by a simple pull of your CR, that does not make the debt go away, or serve as basis, if asked, to state that you have no unpaid, delinquent debt.

It is always preferable to be able to honestly answer....No.

 

As for the original question of the post, the statute requires a DV to be "in writing."  I would avoid any issue of whether an email is "in writing" by sending snail mail.

Established Member
intherightdirection
Posts: 24
Registered: ‎08-20-2012
0

Re: DV'd through email

Thanks, Shogun. I have some PFDs to write as well for accounts past SOL, but was still unsure what to say and how much to offer. :smileyhappy:



Starting Score 08/12: EQ 526 | EX 552 | TU 569
Current Score: EQ 613 | EX 574 | TU 632
Goal Score: 700 Club


Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: DV'd through email

They offered to delete,  now had they agreed to the amount you offered, they would have gotten some money.   I do agree with RobertEG though in getting rid of the debt if possible.  The bottom feeders that come out later during Zombie debt are a less conforming to rules and regulations.  I'd write back and just ask how much exactly would it take to end this now.  Just a suggestion.  Good Luck.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

Re: DV'd through email

So, I emailed them again last week and still hasn't gotten the usual quick response from them (by mail or email)... I asked who was the "true" lender of the account and when was the date of first delinquency occurred... I told them the validation wasn't so clear to me as the OC on the statement they sent was from the school but the loans on the statement were from department of education and a private lender (TFC -- this was the lender what went charged off and went to collection --  just recently got deleted off of my reports)... i do believe that when TFC went to collection, it was sold to this company "fidelity" and instead of TFC as the OC, they reported the name of the school as the OC instead...... so now, the delete date was moved to 06/2013 instead of 12/2012...... this last collection should've off of my reports this month or next month but now, I have to wait anoter 6 months or so to get deleted...... how can I verify all these infos???


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk




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