10-03-2012 02:03 AM
After 2 PIF I did a DV and think I should have GWed so I went back and sent a GW to the president of Allied Gollection Group for 2 medical PIF accounts haven't heard back on either letters. They were 2 weeks apart did I mess things up?
10-03-2012 03:41 AM
If you sent a DV after the debt was satisfied, no harm done. It most likely now resides in the dumpster behind the debt collector's office.
A DV has two impacts, depending upon whether it was timely (i.e., sent without prior dunning notice, or if dunning notice was sent, within 30-days of their dunning).
If timely, it invokes a cease collection bar on them until such time as they provide the requested debt verification.
If untimely, it invokes nothing.
If the debt has been satisfied, the debt collector is no longer conducting further collection on the debt, so even if timely, they wont care.
No response required, so probably no attention given.
Just forget you sent it, and go on about your GW efforts.
10-03-2012 05:46 AM
+1 Don't worry about the DV, you sent the GW. Some will actually delete so as not to waste money and man hours with the disputes. Good Luck!
10-04-2012 08:29 PM - edited 10-04-2012 08:32 PM
I received 2 identical responses (there were 2 accounts) from Allied today. Is there a chance the hospital will report to the CRAs, I paid the CA on both accounts and the letters both show $0 balance?
Upon notice of your dispute regarding the above account, Allied Collection Service has reviewed the details and discussed your dispute with the creditor.
Let this letter serve as your notice that Allied Collection Service will not be pursuing collection of this account. We have closed the file and returned the account to your creditor.
This account will be removed, or will not be placed on your credit report.
10-04-2012 08:31 PM
These were PIF? Then don't worry about it. They shouldn't show back up again.
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.