04-29-2008 09:40 PM
04-29-2008 09:46 PM - edited 04-29-2008 09:47 PM
is an unpaid home phone bill considered a written contract or open account? I'll give the details from my TU cr.
IC Systems Collections is the collection agency
acct # xxxx4943
loan type: open acct
remarks: placed for collection
date placed for collection: 03/2003
date updated: 08/2003
original balance: $146
original creditor: Grand Telepone Company
Past Due: $0
pay status: collection acct
acct type: open acct
responsibility: individual acct
estimated date this item will be removed: 01/2009
Im wanting to PFD but do I send to OC or CA? The CA is the one reporting. Do I DV first of PFD first? In my state the SOL is either 3 or 5 years, depending on type of contract. Either way, isnt is past the SOL? Do I PFD the full amount or a settlement offer? I just want to make sure I do this correct. I know to send CMRRR. Please advise.
MANY THANKS in advance
04-30-2008 06:12 AM
04-30-2008 07:06 PM
HappyDays, thanks for the info.
The date to fall off my cr is 11/2009,not 01/2009 like I said.
Since the CA is reporting, I DV them? Do I DV the OC as well?
What happens if neither can provide proof of the debt?
I will be sure and remember to send all things in writing and mail only with CMRRR.
04-30-2008 08:10 PM
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.