collection agency will not budge

[wildbillcody]

so my husband has a medical collection from a few years ago on his credit report for a little over a thousand bucks. I have tried everything to get this removed but the CRA will not budge. i recently sent a DV letter by certified mail to them so we shall see what that brings about. what do you do if the CRA will not take a PFD? i have the money to pay it off but i want it taken off my credit and i don't think they are going to budge... what next?

[guiness56]

Do they own it or does the OC?

[wildbillcody]

I don't know! how can i find that out?

[guiness56]

Some where on the report it will say sold/transferred to another lender or something to that effect.

[wildbillcody]

nope it doesn't say anything like that.

[wildbillcody]

this is what is listed

Date Reported: 08/2012

Date Assigned: 08/2010

Creditor Classification: Retail

Creditor Name: GLINN GIORDANO 1

Account Number: CTBGL6591628XXXX

Account Owner: Individual Account.

Original Amount Owned: $817

Date of 1 st Delinquency: 02/2010

Balance Date: 08/2012

Balance Owned: $1,016

Last Payment Date: N/A

Status Date: 08/2012

Status: D - Unpaid

[guiness56]

The CRA only reports things, they do not take payments for items on your CR.

This debt appears to be owned by the OC.  Contact them and ask for a PFD.

Also, a DV goes to a 3rd party collection agency, not the CRA or an OC.

[wildbillcody]

well i just called the OC and unfortunately they did sell this account to the CA so i guess i have to some how convince them to remove it... figures!