03-08-2013 11:44 AM
Hi! So 2 years ago, the CA Jefferson Capital reported on my CR that I owed them $700 from a Tribute card from 2008.
Last year, I wrote them two DV letters and never got a response.
So I took the next step and filed a complaint with BBB. They responded and said they will close the collection efforts and delete their TL from my credit reports. They said they also never recieved a DV, but they're going to close and delete anyway.
My question is this: Even if they close the collection, can they still sell it to another CA and then that CA can start the process all over again with me?
Also, I checked my CRs... the status has been changed to "closed" but the TL is still there... does that longer to delete? Thanks in advance for the response.
03-08-2013 12:17 PM
It may take awhile for it to delete. And yes, if it's a valid debt and unpaid. It could wind up with another CA.
03-08-2013 12:26 PM
Thank you so much for the response!
If that does happen, then I'll just ask them to validate. Because I honestly have no acknowledge of this debt or credit card.
I'm definitely someone who thinks you should pay back what you lawfully owe (if you are in a position to do so). Over the last month, I've paid off four different agencies who I didn't even have to ask for validation, because I knew of the debt and what it was for. But for this one, I honestly have no recollection.
I guess just hope for the best, haha.
03-08-2013 02:00 PM
Update the BBB complaint for the fact they made changes to but did not delete?
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.