11-04-2012 04:42 AM
If you do a pay for delete, then you will not have to do the GW. I would do a PFD to Banfield first, and if they direct you to IC Systems, then you can send them one.
Best of luck and please keep us posted.
11-06-2012 01:18 PM
Spoke with Banfield in attempt to pay in full and delete the rep said they'd forward the paid status to the CA (IC Systems) to let them know I paid in full and IC Systems would report to the CRAs. Very nice customer service agent.
Spoke with IC Systems right after who told me I had to pay them directly, if I paid Banfield directly it would cause a greater delay to report to the credit agency this collection was paid. Not-so-friendly agent.
Debating who to pay OC or CA.
Dec 2012: EX 728/EQ 667/TU 731 VANTAGE 731 CreditKarma 628 UTL >5% Wallet: CapOne $300 - First P $300 - Lowes $300 - Old Navy $400 - JCP $200 - Amazon $1,200 - Macy's $300 - NFCU cashRewards card $7k - PayPal MC $2k -Walmart $900 Successes: EOS-CCA BBB Complaint - GONE Progressive Mgmt Sys DV, Dispute/Insurance Dispute - GONE IC Systems DV,Paid OC,GW - GONE Credit Protection Assoc - CA for BrightHouse - Never Had BH - BBB - GONE Battling: Verizon DV - none, BBB - in progress CRA Dispute - in progress
11-28-2012 10:58 AM
11-28-2012 11:04 AM
11-28-2012 11:10 AM
Actually, if they at any point had authorization to collect the debt, then yes they do have a reason to show on your CR. It doesn't matter if you go back and pay the OC, it does not mean that they didn't have the authority to collect. While I do hope this works for you, I'm just saying they don't have to delete.
11-28-2012 11:54 AM