I wrote 3 letters earlier today - a PFD, a GW, and one to the attorney involved in 2 medical judgments. These are the first letters I ever wrote to repair my credit.
The PFD is going to Suburban Credit Corp. I asked to settle rather than PIF. Has this actually worked for anyone? It's a small amount, and I offered to pay about 70% of the balance.
The GW was sent to Credit Control Corp for a Cox Communications bill that was never sent to me. I had transferred service when I moved and kept service at the old address for an extra month (so I had service at 2 addresses). I paid my monthly bill as usual. Months after I stopped service at the old address, I received a letter from CCC saying that I owe for a Cox bill. I was confused because I was still a Cox customer. I complained, but Cox was mean and said they won't delete. This all happened right when I started my credit repair journey. So I explained all this in my letter, hoping CCC will play nice and delete it for me.
The 3rd letter was to make payment arrangements to satisfy judgments. I'm hoping the attorney will have a little sympathy for me. I mentioned my personal situation and that I am repairing my credit in the hopes of obtaining a mortgage next year. I also asked about possibly having those judgments vacated after they are paid. I hate having public records.
I will update if/when I get a response. Has anyone else dealt with these 2 CAs?
The PFD is going to Suburban Credit Corp. I asked to settle rather than PIF. Has this actually worked for anyone? It's a small amount, and I offered to pay about 70% of the balance.
The GW was sent to Credit Control Corp for a Cox Communications bill that was never sent to me. I had transferred service when I moved and kept service at the old address for an extra month (so I had service at 2 addresses). I paid my monthly bill as usual. Months after I stopped service at the old address, I received a letter from CCC saying that I owe for a Cox bill. I was confused because I was still a Cox customer. I complained, but Cox was mean and said they won't delete. This all happened right when I started my credit repair journey. So I explained all this in my letter, hoping CCC will play nice and delete it for me.
The 3rd letter was to make payment arrangements to satisfy judgments. I'm hoping the attorney will have a little sympathy for me. I mentioned my personal situation and that I am repairing my credit in the hopes of obtaining a mortgage next year. I also asked about possibly having those judgments vacated after they are paid. I hate having public records.
I will update if/when I get a response. Has anyone else dealt with these 2 CAs?
It's paid. I had called Cox the same day I received the letter from CCC. The CSR basically said "too bad." The debt was sold. So I paid CCC immediately, then closed my Cox account.
If CCC doesn't budge, do I send the same GW letter again? How long do I wait for a response?
If CCC doesn't budge, do I send the same GW letter again? How long do I wait for a response?
Keep sending until the cave in!!!
Old saying you can get 100's NO's but it only takes one yes!!!!! I learned that from my momma when she hit me on the head with a tennis racket 100 times before I yelled YES please stop!!! 
Hope it goes well, keep us posted. 
Starting Score: EQ 717 EX 724 TU 736
Absolutely send it again.
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!
June 2017 update: All scores over 820, just pure gardening now.
Thanks all!
I checked my Equifax report today and noticed that the staus of my 2 judgments were changed to "pending." The status line was blank before. Mean anything?
Also, Credit Control Corp is no longer there. Wasn't expecting my GW letter to work that quickly!
Sending you positive vibes!
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!
June 2017 update: All scores over 820, just pure gardening now.
Let us know the outcome ... and if any stray tennis rackets came your way