Good Day everyone
I sent a DV letter to CENTRL FINCL and they replied back within the allot time frame and validated that the account was indeed mines and that I owe this money. They even sent me copies of the bill that is outstanding. I, then sent them a PFD letter and this is their reply back. Please advise as what are the next steps I should take. I really want to settle and get it over with. Thanks in advance
This office is in receipt of your dispute and settlement offer letters. As previously advised, this office has thoroughly investigated the account at issue in light of the issue presented and duly validated the underlying debt. Consistent with our earlier determination, the account at issue is valid and past due.
Please be advised, you offer to settle the aforementioned account in exchange for the removal of the negative entry from your credit profile has been declined. Under this office's obligations to and with the credit reporting agencies (CRAs), we are contractually obligated to report delinquent accounts. This office made several attempt to resolve the matter prior to reporting the account to the CRAs was unsuccessful. Therefore, our reporting this account as delinquent to the CRAs was justified and this office shall not remove the derogatory reporting from your credit report. As of May 1, 2008 the amount due and owing is $185.01, which includes interest.
Kindly remit payment or contract 1-800....to establish payment arrangements.
Sincerely,
Dispute Coordinator.
