04-18-2009 02:52 PM
I sent two out last week, and it was using the template that I found on this forum.
What I got back in the mail today, was a computer print out that only lists their client name, the amount owed, what was paid on the account, as well as the "date" the account went delinquent. Is this sufficient "verification"? On one of the accounts (water bill), they list a date of delinquency as a time when I was not living in the unit (this is the reason for the dispute). 2 years ago, I paid the water company so it would be removed from my credit and the amount was small ($58).The water company removed this from my credit file but the CA company still lists on my report.
The other is a medical bill for my son that my ex was court ordered to pay, but did not. Since this is medical, and it would take more than the $400 that the bill is for, to take him back to court and have him pay it, should I just pay and then send the HIPPA forms/information to have them delete?
I am so frustated with this company but I am wondering what would be the best way to go, to get my score boosted.
04-18-2009 03:14 PM
04-18-2009 03:47 PM
04-18-2009 03:56 PM
If the water bill is paid, why was a PFD letter sent?
I didnt send them a PFD for that. I am guessing they pulled up my name and listed all accounts with them?
I sent the OC a GW asking that they contact the collection agency to remove since it was an error on their part.
04-18-2009 04:04 PM
04-18-2009 04:50 PM
If I understand everything, you sent a PFD of sorts to the OC and they removed with a payment. The CA is still reporting, right? They can continue to report $0 (because the PFD wasn't with them) and can't report a balance because it is paid. If this is the case, a GW to the CA is the best option.
How would I format a GW letter to a CA? I have no payment history with them and have already sent a PFD regarding another account.
04-18-2009 05:55 PM
04-18-2009 06:07 PM
Just reread your post. If you have another OC account with the same CA, I'd wait until they respond to the PFD. If after a few non-responses, then I'd probably send the GW.
Another question, how many PFD letters are "enough"?
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.