@fused wrote:You're so right! And, RJM has a long and sleazy history, so its nice to see consumers chalking up some victories.
@BungalowMo wrote:
@fused wrote:
Excellent!!!!!!!!! WTG!!!!!!!!Yes...it seems RJM has turned around a bit with their take on PFD's. I guess folks are more apt to address these accts when they can bargain a delete with the CA!
Hear that everyone with RJM accts!?!?
Yes...I know!! I get a letter from them every now & then for an OLD (we're talking15 yo CO) acct giving me their latest & greatest offer! 
@fused wrote:
Why not write a C&D letter to RJM? I would never put up with that nonsense. I have had other CAs write me similar letters, call me (I don't know how they got my number) and place hard inqs on my reports for debts as old as 97'. I seriously doubt some of those debts were even mine. I sent them ITS and C&D letters and the CAs run away fast because they knew I meant business and wasn't going to pushed around.
I guess I could. But I see those (maybe once every 18 mos or so) as little random reminders of where I once was and where I never want to be. I save one letter in a folder for GW info on all 3 reports. If at some time I get another...I toss the old one out & put the latest in the folder.
Little reminder of where I came from.
Hi,
Yes, I did a PFD with a settlement for 50%! Backstory is that these had been on my CR for a while (three separate collections, all RJM), and they were constantly sending me different offers to pay via mail. I kept tossing them in the garbage, because I didn't have the money at the time, and I didn't feel like I owed all the money...it was related to automatic book club shipments that I cancelled and refused. Anyway, I wanted to get serious about upping my score because DH and I were looking at land, and one day I saw a post here from someone who had done a pfd via email. On the spur of the moment, I googled for an email addy, wrote one email offering to pay 50% of each collection for delete, and hit send. To my surprise, I got 3 separate responses (one for each account) accepting a few hours later. They offered something like 30 days to pay, but I wanted instant gratification, so I responded with my AmEx number. 
Anyway, within a few days the amount due on all three collections dropped by 50% at all three CRA's, but they didn't fall off right away. I panicked and emailed them again, saying that I was applying for a mortgage and needed them gone. They replied that it was up to the CRA's, and could take up to 45 days to fall off, but they emailed me a letter saying the accounts had been settled in full and would be deleted. They finally disappeared earlier this week, and I got a 27 point jump from TU!!!!!!
They were so nice, I almost forgot I was dealing with a CA!