HELP WITH PORTFOLIO RECOVERY COLLECTION SERVICES

[DaBears]

How is disputing accurate information going to help the OP? +1 Guiness. Send GW letters to remove the TL

[2009]

Thanks for all the information, but who do I send the GW letters to? Also, exactly what is a GW letter?

[guiness56]

GW is a good will letter asking for some sort of adjustment to the account.  Removing the TL or a late payment.

You send it to who you want to make the adjustment.

[2009]

Thank You! Do I send it to the creditor or the collection agency?

[guiness56]

In this case the CA is reporting so I would send it to them.

Is the OC also reporting?

[2009]

Yes, both are reporting. The original creditor and the portfolio collection agency.

[guiness56]

I had to go back and re read the post.  I confused myself.

Are all of the accounts with the CA from the same OC?  Is the OC willing to work with you?

[bfranklin825]

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@guiness56 wrote:

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@bfranklin825 wrote:

Have you tried disputing these accounts on your reports? I was able to have several of mine remove just by disputing them. Worth a shot...

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Can't do that.  It is a violation of the TOS of the forums.

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How is disputing accounts on your report against the TOS? When you're knee deep in bad accounts and they've all gone to collections and even passed from agency to agency information gets all jumbled up and accounts CAN become inaccruate and NEED to be disputed. Amounts can be incorrect, dates, original creditors, etc. These collection agencies aren't careful or diligent with your information, especially when they sell you off to someone else.

[bfranklin825]

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@DaBears wrote:

How is disputing accurate information going to help the OP? +1 Guiness. Send GW letters to remove the TL

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OP didn't say if the information is accurate or not. OP may not even know if it is.

[guiness56]

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@bfranklin825 wrote:

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@guiness56 wrote:

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@bfranklin825 wrote:

Have you tried disputing these accounts on your reports? I was able to have several of mine remove just by disputing them. Worth a shot...

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Can't do that.  It is a violation of the TOS of the forums.

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How is disputing accounts on your report against the TOS? When you're knee deep in bad accounts and they've all gone to collections and even passed from agency to agency information gets all jumbled up and accounts CAN become inaccruate and NEED to be disputed. Amounts can be incorrect, dates, original creditors, etc. These collection agencies aren't careful or diligent with your information, especially when they sell you off to someone else.

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Because the OP did NOT say they were not his/hers or reporting inaccurately I am making an educated guess they are correct.  Therefore, undisputable by the TOS of the forums.

If at any time the OP states differently I will respond appropriately.