Optima Recovery Medical PFD

[RichieNY]

So I do not want to do the whole HIIPA process (sorry if the abbrev is wrong) because the debt is only $78.

They verified the debt so this morning I faxed them stating I'd like to do a PFD because it is hurting my credit score.

Shortly after the fax they called me and said "Mr. Bailey I will go ahead and delete this off your reports if you pay in full."

I said "OK, GREAT!, fax me or mail me stating this"

She said "our firm does not do that we do it as a courtesy but I am not allowed to fax you stating this"

So then I spoke to a manager who told me the same thing...they claim they are willing to PFD but will not supply ocumentation stating this.

HMMMMM

[fused]

If the CA refuses to agree to a PFD in writing on their letterhead, don't pay. I would never pay a cent to a CA unless they agree to a PFD in writing.

How old is this med collection (date of service)?

[RichieNY]

thanks

March of 2007

[fused]

I still think you might have a shot at fixing this by using the HIPAA letter process.

[RichieNY]

even for just 78 bucks?

ughhhhh

[fused]

Well, it sounds like the CA wants their money and might be willing to delete. You have nothing to lose. How old is this collection? Credit repair is almost always a PITA.

[RichieNY]

haha thanks

I have seen success in the past 4 months

I started out with ALL baddies no good accounts

Not I have 2 good accounts

Opening a 3rd this week (BOA secured)

My scores have went from around 500 to now about 600!

[Anonymous]

Why do CAs say this? That they CAN'T put it in writing? What's the deal there?

[fused]

CAs want the money, nothing more. They will say anything to get paid, and some poor folks believe them, then they get screwed. There is no such thing as a verbal agreement with a CA.