Rebuilding Your Credit

[guiness56]

Any thing that is paid you can send a GW to.

[Henchman21]

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?

[guiness56]

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

[Henchman21]

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guiness56 wrote:

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

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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

[electra]

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.  

[SLR72689]

Bump

[guiness56]

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.