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Contributor
Posts: 86
Registered: ‎12-07-2012
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Toll fee collection

So my little brother used my car and somehow ended up with a toll fee collection for $45 (dang it). How should I go about getting it off my record? I read that most CA won't do PFD because of the amount. Should I just DV first?

Thanks.


Starting Score: 2/22/12: EQ 530, TU 553, EX 528(lender). 12/4/12 (rebuilding starts)= EQ 599.
Current Score: 7/2/2013: EQ 712, TU FICO 702, EX 716(CU pulled).
Goal Score: 750 all across.

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Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
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Re: Toll fee collection


Mama-j wrote:

So my little brother used my car and somehow ended up with a toll fee collection for $45 (dang it). How should I go about getting it off my record? I read that most CA won't do PFD because of the amount. Should I just DV first?

Thanks.


What CA is it?

 

I would send a DV and see if they respond.

 

I would then send a PFD. If they dont accept after a couple tries, I would pay it and try to GW..

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
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
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Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
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Epic Contributor
Posts: 21,291
Registered: ‎03-19-2007
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Re: Toll fee collection

You can send a DV, but a DV is not a cure-all.

It requries them, if timely sent, to cease collection activities until they provide verification.

I would presume that, with identification of the debt as having occured with a public agency, they will have little trouble in stating the debt is valid.

You can DV first, but chances are validation will be simple, leaving you back at square one.

 

I would offer the PFD.

Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: Toll fee collection

+1 Both of them.  Scott says to DV them.  I like DVs, especially if timely, they are a powerful tool.  Robert says PFD them, I like this option too.  It's kind of a toss up.  So my advice is both of them.  DV them, if they verify and you agree, send a PFD.  It's a small amount, maybe they will cave.  I had an account similiar like this for $63 from Pike Pass, a type of toll.  I paid it and sent a GW.  They were friendly, sent me a letter and deleted.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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Contributor
Posts: 86
Registered: ‎12-07-2012
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Re: Toll fee collection

It's from EOS CCA.

Starting Score: 2/22/12: EQ 530, TU 553, EX 528(lender). 12/4/12 (rebuilding starts)= EQ 599.
Current Score: 7/2/2013: EQ 712, TU FICO 702, EX 716(CU pulled).
Goal Score: 750 all across.

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Moderator
Posts: 13,897
Registered: ‎04-15-2011
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Re: Toll fee collection

PM scott on them, I believe he's very knowledgeable on that particular CA.

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!
Established Contributor
Posts: 579
Registered: ‎02-12-2011
0

Re: Toll fee collection

There are multiple threads on EOS CCA as well and most of them look promising as far as deletion. If I'm not mistaken you should see some good progress with this particular collection.



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