topic PFD sent - next step in General Credit Topics

PFD sent - next step

Anonymous — Tue, 04 Dec 2007 22:43:56 GMT

I have started to work on my DH's credit reports (which are much cleaner than mine, thank goodness) and mailed (11/06/07) PFD letters to the following CAs:

CA - AFNI

OC - AT&T Broadband

Balance - $71.00

Date assigned - 12/23/04

Date reported - 09/30/07

PFD letter received via CMRRR on 11/09/07 - offer to pay balance in full

CA - Cavalry Portfolio Services

OC - Sprint PCS

Balance - $60.00

Date assigned - 05/01/02

Date reported - 06/01/02

PFD letter received via CMRRR on 11/07/07 - offer to pay balance in full

I haven't heard from either of these CA. Should I give them some more time or should I dispute with the CRAs since they are ignoring my correspondence. Thanks for the help.

Cathleen

Re: PFD sent - next step

Anonymous — Tue, 04 Dec 2007 22:52:14 GMT

Did you DV them first???

Re: PFD sent - next step

Anonymous — Tue, 04 Dec 2007 23:11:24 GMT

No - it occured to me later that I probably should have done that first, but since they were both for such a small amount, I just wanted to pay them and get them off the report.

Can I still DV?

Also, I'd love to hear everyone thoughts on the following question:

Should you always DV before you send a PFD?

Thanks!

Re: PFD sent - next step

Anonymous — Tue, 04 Dec 2007 23:17:51 GMT

YESSSSSSSS these could both be either not yours or well past SOL or CRTP.

And with no proof that there were assigned by any company, you might pay it only to see it reappear.

Message Edited by HappyDays on 12-04-2007 03:17 PM

Message Edited by HappyDays on 12-04-2007 03:17 PM

Re: PFD sent - next step

Anonymous — Tue, 04 Dec 2007 23:20:24 GMT

OK - we'll send DV letters tomorrow - along with disputes to the CRAs.

Thanks-

Cathleen

Re: PFD sent - next step

Anonymous — Tue, 04 Dec 2007 23:29:15 GMT

remember DV goes CMRRR!!!! DO NOT sign it just type your name!

Also ask for complete account history and are they registered or licensed in your state.

Message Edited by HappyDays on 12-04-2007 03:29 PM

Re: PFD sent - next step

My_dog_FICO — Tue, 04 Dec 2007 23:30:11 GMT

Not only ask them if they are licensed and bonded, check for yourself. Google your state and licensed collection agencies. Your state gov should have a listing that you can search. If they aren't listed they can't collect. Even if they have a parent company that is licensed, the sub has to be registered as well. (in most states)

Re: PFD sent - next step

Anonymous — Tue, 04 Dec 2007 23:42:06 GMT

Both AFNI and Cavalry are licensed in my state (Arizona). Last week I spent a ton of time, research, and paper going after two CA that are on my credit report and have verified/validated. Neither of these two CAs is currently licensed in my state. One used to be, but their license expired in February 2006.

Re: PFD sent - next step

My_dog_FICO — Wed, 05 Dec 2007 00:07:24 GMT

way to go azsassycat - keep vigilant!

Re: PFD sent - next step

Anonymous — Wed, 05 Dec 2007 05:22:52 GMT

wtggg!!! did you report them & get them off your CR?

Re: PFD sent - next step

Anonymous — Wed, 05 Dec 2007 16:14:44 GMT

Here's what I did for the two unlicensed (in AZ) CAs on my credit reports:

1. Filed complaints with the FTC

2. Filed complaints with the AZ AG

3. Filed complaints with the AG in their home state

4. Filed complaints with the AZ Department of Financial Institutions (regulates CA licenses)

5. Sent a copy of the complaints to the CA

I just sent all these out late last week . . . so it's wait and see at this point.

Cathleen

Message Edited by azsassycat on 12-05-2007 08:14 AM

Re: PFD sent - next step

Anonymous — Wed, 05 Dec 2007 16:58:12 GMT

@Anonymous wrote:
Here's what I did for the two unlicensed (in AZ) CAs on my credit reports:
1. Filed complaints with the FTC
2. Filed complaints with the AZ AG
3. Filed complaints with the AG in their home state
4. Filed complaints with the AZ Department of Financial Institutions (regulates CA licenses)
5. Sent a copy of the complaints to the CA
I just sent all these out late last week . . . so it's wait and see at this point.
Cathleen

Message Edited by azsassycat on 12-05-2007 08:14 AM

OMG Cathleen! You rock honey! WTG! You plowed into that nightmare with a vengeance. I'm proud of you.

Hell hath no furry like a woman's scorn. lol

PLEASE do keep us posted, ok?

Re: PFD sent - next step

Anonymous — Wed, 05 Dec 2007 17:22:30 GMT

I thought it was..."Hell hath no fury like a woman scorned" ?

Re: PFD sent - next step

Anonymous — Wed, 05 Dec 2007 17:44:23 GMT

Thanks Syl