12-15-2012 11:12 AM
12-15-2012 11:16 AM
12-15-2012 11:30 AM
12-15-2012 11:35 AM
I think a lot will depend upon the, excuse the expression, integrity of the debt collector.
When calling, I would remind them of their agreement. If you get a bunch of double talk, I would simply advise them that you are going to take two steps...
1. File a formal complaint with the FTC, advising of their breach of agreement, and
2. File a direct dispute with them for inaccurate reporting, requiring them to put in writing confirmation that they made no such agreement, and refuse to comply.
The FTC complaint will at least require an answer, so they may want to avoid.
As for the direct dispute, it will require them to conduct a reasonable internal investigation of their records and verify in writing their position. It may simply result in verification, but perhaps someone in management will review the acts of their underling. If management does not sanction their action, and they most likely have phone recordings upon which to review the "agreement," they may come forth with some integrity.
Additionally, their phone records would be discoverable in any subsequent legal action, so it would be perilous if they had knowingly provided verification that is contrary to their own records.
Those two steps are fully and properly supported by the FCRA, and are not idle threats.
12-15-2012 11:52 AM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.