Credit Card Center Advertiser Disclosure†
05-17-2012 02:54 PM
Got a SW Alert from AFNI. 165.00 from Direct TV. Was told on the phone that the DOFD June 2006. He said that I didn't get a letter, because they have my old address.
DV THEM IMMEDIATELY??
(BTW, he said I could fix this right now with my credit card, but I said I would be sending a DV letter, and he hung up the phone).
05-17-2012 03:06 PM
What do you want to accomplish as your immediate goal? Satisfy the debt, attempt PFD deletion, or require debt validation prior to proceeding?
If debt validation is a concern prior to paying the debt, then of course DV. However, once you file a timely DV, you impose a cease collection bar on the debt collector, thus precluding any negotiations on a PFD until such time as they have provided the requested debt verification. If immediate CR deletion is your primary concern, a DV might be counter-productive.
No clear answer on whether to first DV.
05-17-2012 03:12 PM
IMMEDIATE GOAL: REMOVAL.
Next month: Past SOL in my state.
NO WAY am I paying this and I only lost 10 points anyway. WHO CARES???????????????????????????
I THOUGHT I WAS DONE WITH THIS CRAP.
I OPTED BACK IN AND NOW LOOK WHAT HAPPENS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
sorry to yell, just so frustrated.
Thanks llecs, and Robert for your fast replies!
05-17-2012 03:27 PM
check with DirecTV and see if the amount can still be paid to them. I just had a collection with AFNI for directv. Called Directv and was able to pay them and they recalled the collection from AFNI. Trying to deal with AFNI directly got me nowhere.
05-17-2012 03:29 PM
Why did you opt back in?
Follow my financial journey: http://www.frugalrican.com
05-17-2012 03:29 PM
... I OPTED BACK IN ...
Why did you opt back in? No matter; it's probably just a last ditch effort to collect before it ages off. If it's past SOL you might see it go away with a dispute based on DOFD. I would DV for sure.
Honestly, it will age off soon enough, and you have your mortgage.
05-17-2012 04:54 PM - edited 05-17-2012 08:03 PM
How do I plan on removing it without paying it? By finding a discrepancy in their reporting and applying the "Booner Method". Lord knows that should be easy enough. I have removed over 13 collections in the past year. For those of you that don't know, the Booner Method involves bugging the living ____ out of them with letters, calls, and faxes of fun and friendly letters about the FDCRA, and FACTA, and "the other one" (FDCP?....my notes are at work). If I can get hung up on just by mentioning a DV letter, I am certain to rile some feathers.
Why did I opt back in? Because I'm a Stoooopid idiot and I wanted to see what credit card offers came. (got a big ego when I hit 700 - BIIIG mistake). Instead of an offer, I get a collection. (RobertEG - here is your proof that opting in causes collections and opting out prevents them).
The SOL will be up in June, so they can stick it where the sun don't shine.
Thank you for all the replies! This should be fun, I was kinda bored with nothing to do on my credit....and Yep, -p, I got nothin but time, I don't and won't need any credit for a long time, and the only plan is to garden til the BK falls off.
Another exciting thing today is that my 9 year old got a Discover Card Offer. He is filling it out himself (honestly), such as his income being $5.00 a week. ha ha. We'll see if they even respond back.
I'll come back to this post when I hear back. I DV'd via CMRRR on the way home from work, so that's all taken care of.
05-17-2012 05:39 PM
If it were my debt, I'd try a PFD. Couldn't really see letting it hang on the reports longer than necessary.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.