02-17-2013 12:15 PM
02-17-2013 01:16 PM
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?
02-17-2013 02:03 PM
02-18-2013 11:33 AM
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
Date open: 11/01/2011
Original Creditor: Smart Reader Rewards
Acct Name: Penn Credit Corp
Acct #: 70591xxxx
Payment status: past due
Date open: 04/01/2009
Original Creditor: Direct Brands INC
02-18-2013 11:41 AM
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.
02-18-2013 12:23 PM
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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.