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Valued Member
Caliche
Posts: 46
Registered: ‎04-14-2011

RJM Collection

I have a paid collection from RJM listed on my CR that I would like to see removed.  In a gw letter how would I go about referencing the account to the folks at RJM so that they know what account I'm referring to?  Best I can tell on my CR it only lists the last 4 digits of the account number.  Also if anyone has a good contact address at RJM, email or otherwise please send it my way.  Thanks


Starting Score: 621
Current Score: EQ700 TU 724
Goal Score: 700


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Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: RJM Collection

If you pull your report directly from the CRA and not a 3rd party, the entire account number will be there.

Valued Member
Caliche
Posts: 46
Registered: ‎04-14-2011

Re: RJM Collection

Yesterday I did a quick google search for email contacts at RJM and sent a concise gw letter.  This is email I received this morning.

 

 

Please be advised that the above referenced account has been satisfied in full.
As per your specific request, an update is being sent to Trans-Union and Experian instructing them
to have RJM's tradeline deleted on the above referenced account(s).
In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to 45 days to
make any changes.
If in the future you find that a Credit Reporting Agency has not changed your history, please
provide that Credit Reporting Agency with a copy of this letter. You may in the meantime, show
this letter to any potential creditor as verification that RJM's reporting of this account has been
requested to be deleted

 

 

Does this essentially mean that this matter will vanish completely from my CR?

This was my only collection and it was about a year old.  I wondering what effect it will have from a credit score standpoint..minimal or significant?


Starting Score: 621
Current Score: EQ700 TU 724
Goal Score: 700


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Contributor
independentlady7
Posts: 117
Registered: ‎05-19-2011

Re: RJM Collection

I did a PFD with them a bit ago. They followed through.

Starting Score May 2011:
617 TU (04)

Current Score 9/19/11:
677 TU (98)
670 Equifax
Goal Score: 700 by end of 2011

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: RJM Collection

That is saying they will delete the TL.  Congrats!.

 

If that was your only negative I would say a good jump.

Valued Member
Caliche
Posts: 46
Registered: ‎04-14-2011

Re: RJM Collection

I received that email on 5-19..any guess on when the tradeline deletion will be reflected on my report?


Starting Score: 621
Current Score: EQ700 TU 724
Goal Score: 700


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Valued Contributor
rckstrscott
Posts: 2,656
Registered: ‎04-25-2011

Re: RJM Collection


Caliche wrote:

I received that email on 5-19..any guess on when the tradeline deletion will be reflected on my report?


Anywhere from tomorrow to 60 days or so I'd guess haha.. It is hard to say really.. I have 4 that I PFD over the last month I am still waiting on..

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Member
t5
Posts: 12
Registered: ‎05-18-2011

Re: RJM Collection

Great job! It will be deleted, might take a week or two from them.

 

I had a few collections with rjm, in my experience they are great to work with!

 

:smileyhappy:


Starting Score: 344
Current Score: 681tu, 626eq
Goal Score: 720+


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New Member
SwAgNer
Posts: 19
Registered: ‎03-09-2012

Re: RJM Collection

MY RJM PFD TIMELINE: 1/4/12 mailed basic PFD letter. 1/19/12 received their basic PFD offer letter. 1//20/12 mailed money order for 50% of the balance. 2/4/12 RJM cashed the moneyorder. 3/9/12 tradeline deleted from Experian. ...waiting for TransUnion to drop off....

Starting Score: EQ530
Current Score: EQ692
Goal Score: EQ720


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Contributor
lovinmyfico
Posts: 93
Registered: ‎03-25-2010

Re: RJM Collection

I just a notice from RJM with a tradeline I thought was resolved when the last collection company deleted it because they couldn't verify.  It's a minimal amount and at this point I don't want it to continue to pop up, as it is because of the reporting, my fico scores all took a 43 point nose dive. If I call them will they pfd?  

 

Thank you all for any assistance. 

 

 


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