10-14-2012 02:39 PM
Did you DV the debt collector?
Until they have obtained verification from the creditor and reported that amount to you, you dont have input from the creditor or an itemization of the asserted debt from the debt collector. A primary purpose of the DV process is to provide the consumer that information in their decision making.
If you have sent a DV to the debt collector, and it was timely, then they are under a cease collection bar, and should not be negotiating a PFD until they provide verification obatined from the creditor.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.