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?