I sent out PFD letters to 7 CA (4-me/3-Hubs).
Out of 7, I've only heard back from 2:
1. Payliance-They have no idea who I am, and can't find any information based on the partial account #s provided from my credit report. If I forwarded this letter to the CRAs, would they have to delete the items?
2. Southeast Financial- This was an old medical collection of my husband's. It's for $80. I simply asked for a PFD, instead, the OC sent us a letter stating that the CA says that we dispute the information (which we didn't). The OC included a cocpy of my husband's bill AND new patient information sheet. There has been NO MENTION of deleting if we pay. What should I do next?
3. Alliance Collection Service- This is a medical collection of mine. 2 actually--totaling $144. I mailed a PFD only, there has been no response to me, however, all 3 CR have been updated w/"consumer disputes account information." I haven't disputed this either. Can they update CRs w/o there actually being a dispute?
As always, any advice is appreciated.
Starting Score: 05/12: myFICO=493, TU=494 EX=549, CK=495, CS=534, Quizzle=552