12-05-2012 07:51 AM
Looking for some advice on which way to proceed. I have an old medical debt of $100 which is reporting on all 3 credit reports under 2 different CA names. It seems after some research that they are the same company which has a reputation for being difficult to deal with. On TU and EX they report under "Central Financial Control" and on EQ they report as "Syndicated Office Systems". Totally different addresses, different states but same OC. The DOFD is 8/2008 and I am in CA so it is beyond SOL. I'm happy to PIF but want it off the reports. HIPAA seems like a very long process and my goal is to get these off ASAP but I'd rather take the long road if that is what will get it of the CR.
WWYD? Anyone have experience with this (these) company?
12-05-2012 07:57 AM
12-05-2012 08:20 AM
The OC is not reporting, only the CA under 2 different names.
12-05-2012 09:33 AM
Call the CA or email do not admit to debt but offer pfd when you have PFD in hand then pay. Remind them it is in there best interest to PFD as its out of SOL
12-05-2012 10:25 AM
Thanks!! OK, going to try PFD, crossing fingers!!
12-05-2012 10:37 AM
01-08-2013 02:35 PM
Never ever ever send this company a GW letter. EVER. I had paid a collection off for less than the full balance, which reflected on my CRs of course. So I decided to send a GW letter to see if maybe because I made all my payments on time after I realised I had the debt that maybe they would work with me. WRONG. They now are reporting a 300 dollar debt on my CRs! I havent made a payment in well over two years, so it had to of been the GW letter that somehow enraged them. So very frustraing. Central Financial Control is literally the most difficult CA to deal with.
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.