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IC Systems

Moderator Emeritus

Re: IC Systems

DVs are for unpaid CAs only.  You wouldn't DV an OC or a paid account.

Starting Score: 504
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EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Message 11 of 24
Frequent Contributor

Re: IC Systems

Ok,thanks!  Still trying to get the hang of this....much to learnSmiley Wink


Starting Score: 6/6/12: TU 585/EQ 472/ EX 561
Current Score: TU04 774, EQ5.0 761/ EXv2 783
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Message 12 of 24
New Contributor

Re: IC Systems

I also have IC Systems on my report. They wouldn't budge on PFD and I paid it anyway. I filed a BBB dispute with them to delete the trade lines and they did. They seem pretty responsive on the BBB website, so it's worth a shot.

Message 13 of 24
Member

Re: IC Systems

What do you mean "I filed a BBB dispute with them to delete the trade lines and they did".  What are trade lines and does that mean they deleted the collection record?

 

Thanks

Message 14 of 24
Epic Contributor

Re: IC Systems


Markme8 wrote:

What do you mean "I filed a BBB dispute with them to delete the trade lines and they did".  What are trade lines and does that mean they deleted the collection record?

 

Thanks


I too am curious about that.    A TL is an account on your CR.

 

Paid or not a CA doesn't have to delete the TL unless the agreed to do so.

Message 15 of 24
New Contributor

Re: IC Systems

Well, I may have fudged a little on my BBB dispute with them...saying they agreed to deleting it and then didn't. But then they deleted it from my report to resolve the dispute. They have a bunch on there that are similar and my thought is they don't want their BBB score to drop so they do whatever they have to to resolve a customers issue on there

Message 16 of 24
Member

Re: IC Systems

So I'm trying to form a strategy for doing a PFD.  I've asked on the phone twice now and they give me the standard---it's our policy to not do PFD's.  But reading here, it's their practice to refuse, refuse, refuse until it get's to be a business burden and then they cave to the PFD.   Do you think pointing out that there are dozens and dozens of people who successfully received a PFD help my case or just make them angry?   The front line people are well versed in the line "Oh we don't do that, it's against our policy."  when I pressed she insisted they are heavily regulated and it's against the law for them to delete a collection notation from credit reports.  Advise?

Message 17 of 24
New Contributor

Re: IC Systems

I had the same situation and my guess is the guy in the call center is different than the guy who mans the BBB complaints. I had zero luck with them on doing PFD, but they didn't even try to weasel arround with the BBB dispute, but I did have the account paid before filing that dispute.

Message 18 of 24
Member

Re: IC Systems

you were right--they didn't hesitate to do a PFD once I went through the BBB.  Got the letter yesterday.  Very pleased.

Message 19 of 24
Valued Contributor

Re: IC Systems

Some enterprising lawyer needs to start some class actions.  It seems to me that is a creditor says "we don't do PFDs" and does even one it's a false and misleading action in violation of the FDCPA...

 

How is this different from threatening to sue when there's no intention to sue?

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Message 20 of 24