Reply
Frequent Contributor
QAMngrGirl
Posts: 463
Registered: ‎11-28-2012
0

Stupid Question RJM Acquisitions

Ok, so about 5 years ago (I was in a bad place), I had an overdraft balance of $900.00ish, when I DV'd it (I was not enrolled in overdraft protection, the check should not have been paid), it was paid anyway, and to make a long story short, it ended up in collections. I entered a payment plan for like, $20 a month until PIF (with RJM), no biggie.

 

So here is my question, I pulled my report a few months back and requested that the RJM be updated to PAID AS AGREED (instead of collection $994 over and over again, after over a year of payments), and it was deleted completely the next month, from all 3 CRA's.

 

I still paid the account in full, and was not disputing the debt I just requested my payments being made be reflected correctly.

 

Is this normal? The entire trade just deleted? It is PIF for months now, but I have never had anyone to ask until now 

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: Stupid Question RJM Acquisitions

I wouldn't worry about it.  RJM is not one of the better CAs and they probably thought it would just be better to delete.

 

They should have shown a different balance or amount owed as you paid it but you got the best deal by them deleting.

Frequent Contributor
QAMngrGirl
Posts: 463
Registered: ‎11-28-2012
0

Re: Stupid Question RJM Acquisitions

Thank you, that is what I thought too!

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Regular Contributor
Kevin5974
Posts: 130
Registered: ‎05-16-2007
0

Re: Stupid Question RJM Acquisitions

I had a small collections with RJM. I found them easy to deal with and they accepted my PFD on the first try. I assume that they just do this with most of their clients. Congrats!


Starting Score: 475
Current Score: 624
Goal Score: 660


Take the myFICO Fitness Challenge
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Stupid Question RJM Acquisitions

Congrats on the delete.  Best possible outcome!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+