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Established Member
Posts: 29
Registered: ‎02-17-2011
0

Newbie needs help.. I think I screwed up.

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?

Established Member
Posts: 29
Registered: ‎02-17-2011
0

Newbie needs help.. I think I screwed up.

[ Edited ]
 
Mega Contributor
Posts: 19,570
Registered: ‎03-19-2007
0

Re: Newbie needs help.. I think I screwed up.

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.

 

 

Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Newbie needs help.. I think I screwed up.

+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!


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Established Member
Posts: 29
Registered: ‎02-17-2011
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Re: Newbie needs help.. I think I screwed up.

Thanks RobertEG for the help.

Established Member
Posts: 29
Registered: ‎02-17-2011
0

Re: Newbie needs help.. I think I screwed up.

Thanks For the answer Shogun.

Established Member
Posts: 29
Registered: ‎02-17-2011
0

Re: Newbie needs help.. I think I screwed up.

[ Edited ]

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.

Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Newbie needs help.. I think I screwed up.

These were PIF?  Then don't worry about it.  They shouldn't show back up again.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Member
Posts: 29
Registered: ‎02-17-2011
0

Re: Newbie needs help.. I think I screwed up.

Thanks

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