topic Re: Credit Management - CMI Group in Rebuilding Your Credit

Credit Management - CMI Group

Datx — Sat, 16 Oct 2010 20:32:56 GMT

Has anyone have recent GW or PFD success with CMI group. I sent a PFD request by fax just a few days ago and got a letter from their account resolution department today, saying they cannot delete. I searched the boards and saw some GW success earlier this year, but not sure if maybe something changed and they are not granting any kind of deletions or not nowadays. I plan to keep faxing the PFD requests until they get tired of me. Does anyone else have any recent success they would like to share?

Re: Credit Management - CMI Group

tonio2148 — Mon, 18 Oct 2010 17:17:36 GMT

check ur inbox

Re: Credit Management - CMI Group

eparker — Mon, 18 Oct 2010 17:59:22 GMT

Well....I am still waiting. They sent me a letter statting they do not delete. But at the end stated they would update as "PAID." Would like to get it deleted, so let me know if you have any luck

Re: Credit Management - CMI Group

grussell70 — Mon, 18 Oct 2010 20:23:45 GMT

@ eparker they sent me the same letter. i haven't paid them and refuse to until they say they will delete. what they have don is change to amount owed to a lower amount because the original creditor was over charging me. so that update on the credit report.

Re: Credit Management - CMI Group

eparker — Mon, 18 Oct 2010 20:45:07 GMT

@ grussell I have one better. After I requested PFD, and they sent the letter with all the legal mumbo jumbo. Their last statement stated they would update that my account was PAID IN FULL.

And of course I didnt pay them. I think they made a boo boo when they sent the letter. I politely faxed and emailed to Experian and waiting for the update. I'm waiting and seeing.

Re: Credit Management - CMI Group

RobertEG — Tue, 19 Oct 2010 05:03:54 GMT

Use caution in poundng them wth PFD offers.

The debt is unpaid. Is the debt outside of your state SOL?

If not, you may just be pushing then to take legal action.

PFD letters are not without risk.

Why would you send anything to a CRA related to your negotiations with a creditor/debt collector related to private contract pay for deletion matters?

The CRA is not a party to such negotiations.

Re: Credit Management - CMI Group

Datx — Fri, 10 Dec 2010 20:47:19 GMT

Here is an update. I folded....

After sending emails and also faxing CMI PFD letters, I only got one reply back through the mail, and that letter said that they cannot delete, etc. Got no more replies back, I guess they are going ignore me. Its actually off my EQ report now. I believe at one point it was on all 3 CRs, then it just stayed on EQ and EX. When I started to fax my PFD letters and emailed them....it disappeared from EQ only a few weeks after. It was never deleted from EX, so I tried a dispute with EX and it came back verified.

So I give up. I'm going to pay them off and just have them update EX as paid in full. Hopefully, they dont report to TU and EQ again. Just a risk I have to take. I want to get it paid off and be done with it. I should've never let it go to collections in the first place. I'll update this again if something else changes such as a deletion from EX (wishful thinking) or if they decide to report on TU and EQ again.

Re: Credit Management - CMI Group

grussell70 — Sat, 11 Dec 2010 00:06:05 GMT

@ mycreditstinks when you pay i wouldn't be surprised if it shows back up on all of the credit reports. i paid a collection that was not on my credit report and the next month it showed up on the credit report as paid collection. never been on there before. how bout that.

Re: Credit Management - CMI Group

tray — Sat, 11 Dec 2010 03:38:34 GMT

I recieved a goodwill from cmi for an account deletion but my collection account was paid, this company will not budge for a pfd, I do not know how large a $$ amount your bill is, but I feel you will have a better shot in paying this account and then goodwilling the ceo of the company. that is what I did.

Re: Credit Management - CMI Group

Datx — Sat, 11 Dec 2010 06:26:13 GMT

@tray wrote:
I recieved a goodwill from cmi for an account deletion but my collection account was paid, this company will not budge for a pfd, I do not know how large a $$ amount your bill is, but I feel you will have a better shot in paying this account and then goodwilling the ceo of the company. that is what I did.

This is what I'm really hoping for. I already paid them off, and now I will wait. Then try emailing and faxing GW letters and even through snail mail. Hopefully it all works out. Glad to hear you have some suscess with them.

@Anonymous - Hopefully these guys won't. But I'll update what happens. Hopefully I will get some good news in the next few weeks.

Re: Credit Management - CMI Group

RobertEG — Sat, 11 Dec 2010 07:06:08 GMT

Just be aware that the credit reporting guidelines issued by the CRAs, and agreed to when any partty contracts with them for credit reportring, clearly states that deletion of prior, accurate reporting based on subsequent payment of a debt should NOT be deleted, as it negatively affects the integrity of their credit files.

If an OC or debt collector states, as policy, that they wont delete, they are complying with their reporting obligations with the CRA.

Re: Credit Management - CMI Group

Datx — Sat, 11 Dec 2010 16:34:07 GMT

@RobertEG wrote:
Just be aware that the credit reporting guidelines issued by the CRAs, and agreed to when any partty contracts with them for credit reportring, clearly states that deletion of prior, accurate reporting based on subsequent payment of a debt should NOT be deleted, as it negatively affects the integrity of their credit files.
If an OC or debt collector states, as policy, that they wont delete, they are complying with their reporting obligations with the CRA.

Yes, I'm aware and I believe everyone is aware of this. The OC, CA or debt collector had policies and/or agreements with the CRA. But again, this is something I hope they can do as a GW. It has happened to others, and Im hoping it can be done for me as well.

Re: Credit Management - CMI Group

Anonymous — Sun, 12 Dec 2010 05:05:45 GMT

I just emailed their General Counsel,[Edited], a PFD. I'll let you know if he agrees. I hope so because I'm trying to qualify for a home loan.

Edited to remove personal information. You are welcome to send this via PM if you'd like.

-marinevietvet, myFICO moderator

Re: Credit Management - CMI Group

tonio2148 — Mon, 13 Dec 2010 04:25:03 GMT

do you want me to copy paste the letter or email that you are about to receive from him?

Re: Credit Management - CMI Group

Anonymous — Mon, 13 Dec 2010 04:56:48 GMT

Feel free to post it.

Re: Credit Management - CMI Group

Datx — Mon, 13 Dec 2010 17:02:43 GMT

Got this in the email this morning:

Dear MyCreditStinks:

Our office is in receipt of your request that we remove negative trade lines placed by our company on your credit report. While we commend your ability to resolve your financial obligations, we are unable to assist you in the manner requested.

As a data furnisher to the credit bureaus, we are required by federal law to report only accurate information. Once an account has been placed with the credit bureaus, it would be inaccurate to remove the account for reasons other than fraud or mistaken reporting. Thus, we are unable to honor your request. Please note that our system updates all three national credit bureaus with the news that your account has been paid in full simultaneously.

Should you require any additional information, you may contact Credit Management LP at 1-800-377-7723.

Sincerely,

(Her name here)

Dispute Resolution Supervisor

Me =

Re: Credit Management - CMI Group

grussell70 — Mon, 13 Dec 2010 17:08:25 GMT

yep got the same letter. i'm finished with trying to get them to remove.

Re: Credit Management - CMI Group

Anonymous — Mon, 13 Dec 2010 17:16:09 GMT

Are you going back to the OC to see if they will PFD? I think I might do that since mine is with Time Warner.

Re: Credit Management - CMI Group

Datx — Mon, 13 Dec 2010 17:26:14 GMT

@Anonymous wrote:
Are you going back to the OC to see if they will PFD? I think I might do that since mine is with Time Warner.

No, unfortunately I can't. When I called AT&T, they refer me to CMI. If you are still able to pay Time Warner, then I think you have a better chance on getting CMI removed. Someone here claimed they paid the OC, then later disputed CMI and had it sucessfully removed.

Re: Credit Management - CMI Group

grussell70 — Mon, 13 Dec 2010 17:50:19 GMT

i tried the oc comcast and they refused to remove it. i was told it had to be an error on their part to remove. i called the corporate office and the local office that turned it over to collections. the bad part about the hold thing was comcast had originally turned me over to cmi for almost 900.00. they continued to bill me for 4 months of services after they were disconnected and i was receiving comcast services in another state at the same time. also they can't find my equipment that was returned and i don't have a receipt from over 5 years ago. so comcast agreed to credit my account for the 4 months of services that should have been cancelled but said i owed the equipment fee however that is still not considered an error on their part to remove the collection from my credit report. if you made an error by charging me for disconnected services could you have also made an error with the equipment as well. anyway according the the credit mgr can not remove because no error was made on their end. how bout that.