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?
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