04-25-2008 09:27 AM
04-26-2008 09:12 AM
She never received anything from Pinnacle in the mail.
On January 8, 2008 she had received a letter from Plaza Associates attempting to collect on this. She sent DV CMRRR - they did not respond and dropped it from her reports.
I don't understand why it has a date of 10/2007 on it...she didn't have an account with Verizon then. When they added the EQ her FAKO dropped 95 pts!Date open is when the CA opened the account with their company, normally. But if a diff CA was trying to collect in Jan of this year, then maybe that is the date that the first CA acquired the account.
Do we have to sit back and wait to see if they respond to the DV or should we dispute with the bureaus at the same time?You can dispute at the same time, but I wouldn't. If you dispute it gives them the right to ask you for information to support your dispute.How can they have the same account listed on the report in 3 different ways?I dont see why it is changing CA's and being reported if it is paid.........did she pay it? Who did she pay it to?Can Pinnacle even collect if Plaza before them was unable to validate?Yes, a CA can not collect, sell, transfer an account they can't validate, but they can send back to the OC and let them transfer it elsewhere, sell it again, etc.
04-26-2008 10:27 AM
04-26-2008 12:21 PM
04-26-2008 05:28 PM
06-04-2008 09:33 AM
06-04-2008 11:12 AM
06-11-2008 07:33 AM
On June 10, 2008, the business provided the following information:
Contact Name and Title: ***
Pinnacle Credit Services, LLC is in the process of recalling the consumer's account from the collection agency, closing it internally and requesting removal of its tradeline from the credit bureaus to whom it previously reported. Please be advised that the bureaus act on their own time table and Pinnacle is unable to guarantee an immediate removal of its tradeline.
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.