treski wrote:Okay ... spent the evening googling every known mailing address for all of my dinged accounts. Tomorrow I will begin the letters (groan).I do have a question ...Is it possible to dispute something on my credit that was put there by The County of Fairfax (aka, a tax collection). I am in the military and do not pay taxes in the state I live. I pay them to the state where my home of record is. And because I move so often, I never received any notices, just MAJOR dings on my credit and collections. I have found it difficult to contact "The County of Fairfax" and generally receive the run around. Is this something I must handle directly with Fairfax or can I (finally) take it to the credit bureaus (not that they will be any more helpful)?Thanks for the help.The mission begins ....
5 August 2008
The CMI Group
4200 International Parkway
Re: Collection for Comcast Alexandria, acct. # XXXX1557
To Whom It May Concern:
I am writing you today regarding my account with Comcast Cable (#XXXX1557), on which you collected in October of 2006, while I was stationed in Virginia. The purpose of this letter is to see if you’d be willing to make a goodwill adjustment on the reporting of this account with the three major credit bureaus.
I cannot provide you with an excuse, except that I was terribly irresponsible. I did not realize until later that contracts with creditors are promises. Creditors trust that their clients will fulfill their side of the bargain, after all, that’s how they stay in business. In all other areas of my life, I have always been incredibly trustworthy and credible. I now understand that my failure to pay what I owed Comcast Cable was not only a breach of contract, but was a character flaw within me.
I am recently married and my husband and I are now interested in buying a home. With my husband’s support, I have made vast changes in the way I handle my finances, and it is my belief that this collection no longer reflects my credit worthiness.
I would like to stress that the information that is currently reported is indeed accurate. I am humbly asking for a courtesy gesture of goodwill in having the credit bureaus remove this collection from my report. Please consider that the Fair Credit Reporting Act does not require that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from a credit report. I’m hoping that you can do this in my case.
Your kind consideration is certainly appreciated.
**Quick topic change**
About Fairfax, yes it must be my car then. I should probably PFD them then, no?
If you have not done so, I'd recommend pulling your CR directly from the CRA. It'll show more info including balances. Then send a DV to establish in writing from them on how much is owed and then offer a PFD if you agree.
treski wrote:Sorry about the enormous font size in the previous post.Does the following mean that I was actually collected on and there is no balance? I was so screwed up then that I didn't pay attention enough to know if my wages were garnished. I want to be particularly careful that I send out a PFD or GW where appropriate. Thanks again!Collection agency [?] Nationwide Credit CorpOriginal balance [?] $174Current balance [?]Status [?] Paid account/was a collection account, insurance claim or government claim or was terminated for default
treski wrote:Mazda will not budge. They keep responding with something like: "If you'd like to dispute any errors, please blah blah blah ..."And then I respond with something like, "I'm so sorry I didn't clarify! I'm actually asking you for a goodwill gesture, which some COs offer to their otherwise-good-standing customers. Blah blah blah."I had two 30-day lates years ago, and ended up paying off my entire loan early.Bleh.
Friendly, Supportive & Respectful
"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli