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10-19-2012 08:16 PM
so I didn't really do anything special here... nor did I when AFNI deleted. they both sent me letters (UDF) deleting... and they BOTH verified with copies of bills when I sent a DV initally. all I did was send DVs then send PFDs (afni I called too and got told no, just like when they told me no via email). I sent them all multiple fax, email and snail mails. I also disputed them for them to verify accuracy of all info. I guess it's just the persistence???
Either way, IDC, but I thought I'd share that this is how I got deletes from afni and portfolio recovery just by keeping on pushing and didn't back down. I got some requests for PMs about it, but it was nothing special to share... so there ya go, just like everyone says, patience and persistence is key! I a lesson I am learning over & over.
also $100 left to pay on my RJM and they'll delete! I saw an increase in my CreditKarma and nothing had changed on my EQ so I'm thinking maybe they already deleted. Either way happy happy joy joy!
10-19-2012 08:48 PM
10-19-2012 08:51 PM
good luck! just fyi... anything I have gotten from them has ONLY been snail mail and has also taken quite a while in comparison to the other CAs I've dealt with for the most part. Just keep at it! I think they disappeared after about a little over a month and all I did was DV, PFD and Dispute with CRA (can't remember which one/s lol) for all info. They deleted about a week or two ago slowly from each CRA and then I just got the letter officially like 2 days ago. At first I thought maybe they sold it but nope! Mine was from about mid 2007.
10-19-2012 09:02 PM
10-19-2012 09:07 PM
Probably gone for good. Mine fell off of EX first I think. Then TU and then EQ followed. But we all know there's no real removal pattern.. Hope it's gone for good for ya!
10-21-2012 09:00 PM
How often did you send your letters? PFD, GW, etc.
I saw someone say 2x's a week. Is there no period where you wait on a respons? Or am I missing something?
10-22-2012 06:42 AM
Actually, for this account I think I actually only sent a DV and since I knew it was valid I sent a PFD and that was it as far as letters, but I did sent it (settlement offer) fax and snail mail I think. Then I was looking at my account and disputed with one of the credit bureaus to verify all accuracy bc I thought something didn't look 100% right anyway, and figured it couldn't hurt anything (can't remember which one... I think Experian) and then a few weeks afer I sent the letter and disputed I got the UDF in the mail, but the TL had already been deleted a little prior to that. HTH...
10-24-2012 03:43 PM
11-19-2012 09:58 AM
I've been fighting with these )(@( heads for a couple of months now. Every single time, I get a response from some dweeb in legal counsel. The last time, they even sent me the UDF where they were reporting the information "correctly". While Rlandon87 didn't specifically say which credit report he/she referenced, I found phantom $50 payments on my Experian Report from September 2011 - April 2012.
So, I've tailored my dispute PDF to this, emailed every version of the executives email addresses that I could concoct and faxed the same information to every fax number that I could find.
We'll see what happens. I've even let my "unofficial" attorney know about the phantom payments. I also mentioned that I was giving the attorney the same information.
I'm beyond frustrated at this point with them but if it works, it works.