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PFD refused by Credit Collection Services

Valued Contributor

Re: PFD refused by Credit Collection Services

Call Progressive and see if thye sold it to the CA or it is assigned. And tell them what you said you were not aware of the debt until you saw the collection account. See if they can supply more information as well.

Equifax My FICO score 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015
Message 11 of 13
Contributor

Re: PFD refused by Credit Collection Services

i noticed in an old post that you had success with a PFD with Collection Bureau of America (CBA).   I've also heard of others who have had success with them.   .      I will be able to Pay In Full.       Any pointers before sending off the letter?      Did you send it to anyone in particular?

 

Thanks in advance.


Mh2011 wrote:
I've sent off a few PFDs and got my first responses; a yes from CBA and a form letter no from Credit Collection Services. The CCS is a Ca of an insurance account from 2007 for $170.

The form letter says:

"we are in receipt of your correspondence stating you will pay the above balance if we delete it from your credit bureaus. The Fair Credit Reporting Act requires that we provide the credit bureaus with accurate information and we are prohibited from deleting the account. Upon receipt of the balance in full, we will update your account with the credit bureaus as paid in full."

No name on the letter. Suggestions from here? Wait a few weeks and try again?

 

 

 


Starting Score: Sept. 2012 EX FAKO 601; EQ FICO 603; TU FICO 607
Current Score: Dec 2016 EX FICO 800; EQ FICO 790; TU FICO 810
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Message 12 of 13
Highlighted
Contributor

Re: PFD refused by Credit Collection Services

sorry.   forgot to check, email when someone replies


Mh2011 wrote:
I've sent off a few PFDs and got my first responses; a yes from CBA and a form letter no from Credit Collection Services. The CCS is a Ca of an insurance account from 2007 for $170.

The form letter says:

"we are in receipt of your correspondence stating you will pay the above balance if we delete it from your credit bureaus. The Fair Credit Reporting Act requires that we provide the credit bureaus with accurate information and we are prohibited from deleting the account. Upon receipt of the balance in full, we will update your account with the credit bureaus as paid in full."

No name on the letter. Suggestions from here? Wait a few weeks and try again?

 


Starting Score: Sept. 2012 EX FAKO 601; EQ FICO 603; TU FICO 607
Current Score: Dec 2016 EX FICO 800; EQ FICO 790; TU FICO 810
Goal Score: 825 on all 3


Take the FICO Fitness Challenge

Message 13 of 13