12-20-2012 11:22 PM
DVs are for unpaid CAs only. You wouldn't DV an OC or a paid account.
12-23-2012 09:38 PM
Ok,thanks! Still trying to get the hang of this....much to learn
02-14-2013 06:35 AM
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.
02-14-2013 02:54 PM
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?
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.
02-15-2013 05:55 AM
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
02-15-2013 08:07 AM
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?
02-15-2013 08:16 AM
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.
02-23-2013 08:40 AM
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?
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.