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New to Credit Rebuilding, Oodles of Questions

Epic Contributor

Re: New to Credit Rebuilding, Oodles of Questions

Message 11 of 17
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Frequent Contributor

Re: New to Credit Rebuilding, Oodles of Questions

Thank you. As for the collections, I send a PFD is it is out of SOL? And what if it is not? Also, which state do you go by? The one I currently live in or the one in which the debt was accrued?

2/16/13 Scores EX: 594, TU:513, EQ:563 -- Cap One Secured: $200, Kay's: $400

GOAL #1: 625 -- CHECK!

3/31/15 Scores TU: 621 -- Cap One Secured: $750, Kay's: $900, CareCredit: $1000, Aerie $350, Fingerhut $1350

Goal #2: A travel card. REC ME!
Message 12 of 17
Epic Contributor

Re: New to Credit Rebuilding, Oodles of Questions

Normally, it is the state you live in.  If you can pay in full you can send a PFD.

Message 13 of 17
Frequent Contributor

Re: New to Credit Rebuilding, Oodles of Questions


guiness56 wrote:

Normally, it is the state you live in.  If you can pay in full you can send a PFD.


Excellent, thank you!

Any ideas about this two collections that seem like the same debt? When I do a search for the orginal creditor, it appears to be the same company.

 

 

Acct Name: RJM ACQ LLC

Acct #: 705R91xxxx

Payment status: past due

Balance: $92

Date open: 11/01/2011

Original Creditor: Smart Reader Rewards

 

Acct Name: Penn Credit Corp

Acct #: 70591xxxx

Payment status: past due

Balance: $93

Date open: 04/01/2009

Original Creditor: Direct Brands INC

2/16/13 Scores EX: 594, TU:513, EQ:563 -- Cap One Secured: $200, Kay's: $400

GOAL #1: 625 -- CHECK!

3/31/15 Scores TU: 621 -- Cap One Secured: $750, Kay's: $900, CareCredit: $1000, Aerie $350, Fingerhut $1350

Goal #2: A travel card. REC ME!
Message 14 of 17
Established Contributor

Re: New to Credit Rebuilding, Oodles of Questions

I would send DV to the CAs before PFD, especially in the case where multiple CAs are reporting the same thing. You would want to be sure you are paying someone who actually OWNS the debt.  



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


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Message 15 of 17
Frequent Contributor

Re: New to Credit Rebuilding, Oodles of Questions

Bump

Message 16 of 17
Epic Contributor

Re: New to Credit Rebuilding, Oodles of Questions

They probably are from the same OC.   Even though both can be on your CR, only one can actively collect. 

 

I would send a DV to both of them.  If one responds, it shoud be the one who is collecting.

 

 

Message 17 of 17