Rebuilding Your Credit

[Madman94044]

Anybody have luck dealing with Hunter Warfield? I don't believe I owe the full balance, they've been unwilling to make any real concessions. And they won't agree to PFD in writing.

[rckstrscott]

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Madman94044 wrote:
Anybody have luck dealing with Hunter Warfield? I don't believe I owe the full balance, they've been unwilling to make any real concessions. And they won't agree to PFD in writing.

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Hunter Warfield was a beast.

They refused to negotiate. No PFD cnncession.  They offered to settle at like, 93 percent of what I owed. They are not a JDB however, they usually work specifically with apartment and property companies, and they work with assigned debt. I worked on them for a year and got nowhere, so opted to pay because I wanted to buy a house.

I wound up paying in full, hoping to GW it away. They refused to yield. This was in April 2011. After a year and after I closed on my mortgage, I sent them a direct dispute because they were showing the wrong DOFD (it was only off by 2 months, but it was def. not correct), sent the direct dispute CMRRR. Inside the dispute, I didn't even request the deletion, my logic was they wouldn't want to take the time to compel their client, my old apartment company, to provide them with additional docs and what not for an account already paid. I merely referenced FCRA 623(a)(5), and asked them to correct their records.

They deleted the account from all three reporting agencies. My logic worked this time at least haha

-scott

[Madman94044]

Scott, thanks for sharing. They actually offered to PFD but did not respond to my request for that in writing. So I recently sent them a DV because the amount they are asking for does not match the orig balance owed. The whole thing is bs, lease break charges from back in March 2006, I should've worked it out with the orig apt building.Either way paid in full, settled or not it will fall off my CR in March of next year, thought they'd be willing to negotiate due to that, guess not...