Reply
New Member
Posts: 4
Registered: ‎07-21-2009
0

Re: Have a CA but OC accepted payment????? HELP!!!!!!

 

Credit repairing is such a pain the you know what! You can still dipute it and do a 100 word statement. I guess you'll have to keep disputing it. Good luck.

My ficoscore:
Experian:512
Equifax: Don't know finding out
Transunion:smileyvery-happy:on't know finding out
Regular Contributor
Posts: 191
Registered: ‎07-08-2009
0

Re: Have a CA but OC accepted payment????? HELP!!!!!!

The CA is in the process of proving the debt to me by going back to the OC. They told me this on the phone, becaus ei got a call from the corporate office after I sent a emai to the CEO asking for a pfd (after numerous attempts other ways).

 

When they ask the OC for the proof wont the OC show it as paid to them? Then the CA MUST remove their TL correct?

 

Am I beng dumb about this? How can a CA have a TL on my report if the debt was PIF to the OC?

Valued Contributor
Posts: 1,320
Registered: ‎04-18-2009
0

Re: Have a CA but OC accepted payment????? HELP!!!!!!

Good morning One Boss,

This might be a good question for a mod....

 

I agree with your logic btw...how can a CA prove that they have the debt when the debt was paid directly to the OC? 

 

Did you dispute the NCO TL yet with the bureaus? let's see about that....I might do that as my next step...


Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU


Take the FICO Fitness Challenge
Moderator
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Have a CA but OC accepted payment????? HELP!!!!!!

You pay the OC then DV the CA.  The CA will not be able to validate because no money is owed.
Moderator
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Have a CA but OC accepted payment????? HELP!!!!!!

CAs do have to validate.  There is no time frame for them to do it in.  If they do not validate, it must be removed from your CR.
Valued Contributor
Posts: 1,320
Registered: ‎04-18-2009
0

Re: Have a CA but OC accepted payment????? HELP!!!!!!

So you can bypass the CA by paying the OC without any ramifications....interesting.

 

 


Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU


Take the FICO Fitness Challenge
Regular Contributor
Posts: 191
Registered: ‎07-08-2009
0

Re: Have a CA but OC accepted payment????? HELP!!!!!!

Yes, that is exactly what I did. The other CA (for the same oc) I am going to let ride, because it is scheduled to come off 02/2010. If I pay it, it will re-age the debt correct?
Moderator
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Have a CA but OC accepted payment????? HELP!!!!!!


BungalowMo wrote:

Ok...I don't get it, if you don't pay...they drop you!  How do you owe if you found another company?

 


 

Same thing happened to me.  They said I owed them one month because I cancelled.
Valued Contributor
Posts: 1,320
Registered: ‎04-18-2009
0

Re: Have a CA but OC accepted payment????? HELP!!!!!!

I am not sure about the reaging thing. I just read somewhere if you paid the OC directly, then you wouldn't re age. Not sure if this varies b/c this is a CA...

 

For your second account, Progressive has no records. You are stuck I think working with NCO on this one!

 

keep trying for a delete with them....look up all the executives....send em all emails. do what you have to do to get it off. Why would I keep trying ot do a PFD? beause it will keep the other hounds away. Who knows maybe NCO will play hardball and do a ton of inquiries on your account or update the account like it's new....maybe they'll report to all three instead of one or two CRA's. That's the scenario of possibilities you could be facing.....

 

have a good weekend. i gotta pack now...

 

 

 


Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU


Take the FICO Fitness Challenge
Moderator
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Have a CA but OC accepted payment????? HELP!!!!!!

As long as the OC still owns the account there is no reason at all not to pay them.  All they have done is to hire a CA to collect on their behalf.

 

It is always better to deal with the OC than a CA.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.