08-05-2012 09:59 PM
08-05-2012 11:20 PM
Most of my CAs went away without PFDs, usually by DV letters. Probably 80% of the debts were either resold to another CA or passed back to the OC who in turn gave it to another CA. It's a constant battle, but later on I tried to be more pro-active with PFDs to stop the cycle. IMO and IME, wait it out. Be vigilant. Be sure to opt out. And check your soft and hard pulls frequently for CA pulls. Also keep a call log as that was a great indicator as to who was collecting next.
08-06-2012 02:11 AM
The "removed for one reason or the other" is the key.
If the reason for removal was based on a dispute, no party (in your case, the prior or any other debt collector) can have the information reinserted without first providing a pre-certification stating that, notwithstanding its prior deletion, they have investigated and now certify as to its accuracy.
If that were to happen, the CRA is required to send you written notification of such reinsertion within 5 business days. FCRA 611(a)(5)(B).
08-06-2012 11:13 AM
I noticed a couple of soft pulls from CAs (they are companies I do not recognize). What could that mean?
08-06-2012 04:12 PM
Inquiries by debt collectors usually signify that they are considering some type of collection action, such as contact with you or bringing legal action, and want to first assess your current credit status based on review of your credit report. If your current CR shows ability to pay other creditors, that might be an indication that you have the ability to pay.
A debt collector cannot obtain your full CR without having either assigned collection authority or ownership of the debt. So it also tells you that a debt collector now is formally involved.
08-06-2012 06:07 PM
Hmmm......with this ch 7 bankruptcy, I wonder what they are planning. The only debt I have since bankruptcy are my cards and they are in good shape. Should I write the address from the inquiry?
08-07-2012 02:45 PM
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