topic Re: Brighthouse Cmi delete in Rebuilding Your Credit

Brighthouse Cmi delete UPDATE REMOVED !!!!!!

Anonymous — Wed, 19 Sep 2012 19:29:05 GMT

Hello everyone I need some help here I checked my CR and found CMI is saying they're collection on behalf of

brighthouse networks an amount of $353 since December 2010 so I contacted brighthouse and the supervisor told me its $343 which

Is a $10 difference what

Should I do id never been in contact with CMI at all I really what them gone and away its the only CA on my CR and they're only reporting

To EQ ......Brighthouse did tell me I can pay them or the CA and they also mention that they no longer use CMI for collections how the best

Way to tackle this one thx in advance

Re: Brighthouse Cmi delete

Anonymous — Sat, 23 Jun 2012 22:23:36 GMT

any help out there

Re: Brighthouse Cmi delete

RobertEG — Sat, 23 Jun 2012 22:49:13 GMT

You can send them a debt validation (DV) request, and ask for an itemized listing of the alleged debt. Your DV will also impose a cease collection bar on the debt collector until such time as they have provided the requested debt verification.

If the OC is willing to accept payment as satisfaction of the debt, that will require the debt collector to close their collection and report a $0 balance under collection. However, that wont require the debt collector to delete their reported collection. They may delete, but are not required to do so based on satisfaction of the debt.

You could alternately offer payment to the debt collector in exchange for their agreement to delete their collection. That would directly address the collection. You could offer them the full amount they are asserting, or offer the lesser amount stated by the OC.

If they decline to delete, you could then pay the OC to get the debt satisfied.

However, should you decide to negotiate with the debt collector, you should probably forgo sending a DV at this time, as the cease collection bar that it will impose will forstall their ability to negotiate with you.

I know I have not recommended a "best way" to tackle the issue, as the best way is really up to your needs.

In your position, I would most likely offer a PFD to the debt collector, and thus focus on the collection deletion.

Re: Brighthouse Cmi delete

Anonymous — Sat, 23 Jun 2012 22:56:30 GMT

Thx RobertEG i sholuld also mention that cmi put this on mine CR in Dec of 2010 so its been there for a while now can i still DV even after the 30 days has been gone

Re: Brighthouse Cmi delete

RobertEG — Sat, 23 Jun 2012 23:05:34 GMT

You stated that they did not send you dunning notice?

Reporting to a CRA triggered their requirement to have sent you dunning notice, which they did not do. It did not trigger a period for timely DV.

The 30-day period to request debt verification AND impose the cease collection bar only begins upon their sending of dunning notice.

So you have no 30-day period. Any DV you send will be timely until such time as they have sent dunning notice, and 30 days has expired from that date.

Re: Brighthouse Cmi delete

Datx — Mon, 25 Jun 2012 12:57:01 GMT

Since the OC is willing to take payment, I would definitely go that route. CMI is not very known to do GW requests or agree to a PFD.

Re: Brighthouse Cmi delete

Anonymous — Wed, 19 Sep 2012 19:55:19 GMT

HELLO MYFICO CREW I FINALLY MANAGED TO GET CMI TO REMOVE FROM EQ FROM ONE PHONE CALL ON SEPT 6 AND GOT A LETTER IN THE MAIL SATITNG THE REMOVAL .GOT A 30 POINTS BOOST FROM THIS I QUICKLY PAID THE OC WHEN THEY DELETED SO FAR I HAVENST SEEN IT BACK THX AGAIN

Re: Brighthouse Cmi delete

fuzzybean — Wed, 19 Sep 2012 19:59:25 GMT

Awesome! Congratulations! I get so excited for people when they are able to get bad things deleted from their CR!

Re: Brighthouse Cmi delete

Shogun — Wed, 19 Sep 2012 20:02:33 GMT

Very nice... Congrats!!!

Re: Brighthouse Cmi delete

Anonymous — Wed, 19 Sep 2012 23:17:09 GMT

THX FUZZYBEAN AND SHOGUN I STILL CANT BELIEVE IT DIDNT EVEN TAKE 1 MIN LOL

Re: Brighthouse Cmi delete

Anonymous — Thu, 20 Sep 2012 13:21:20 GMT

Hey how did you do this? Who did you call? What did you say? I've been emailed and snail mailing them and have not gotten a response yet! PM me if necessary.

Re: Brighthouse Cmi delete

Anonymous — Sat, 22 Sep 2012 15:21:07 GMT

PRINCECHRISTIAN IS YOUR ACCT PAID WITH CMI OR UNPAID IN MY SITUATION MINE WAS UNPAID SINCE 2010 BUT MY OC WAS ALWAYS WILLING TO TAKE A PAYMENT BUT I WANTED CMI TO DELETE BEFORE I PAID...CMI DID STATE THAT THE OC CAN REQUEST A DELETION ON BEHALF OF ME BUT I WASN'T BUYING IT.. I GOT THEM TO REMOVE BASED OF THE FACT THAT ME MY DAD AND GRANDPA ALL HAVE SAME NAMES AND ITS ON ALL OF OUR CR SO WHEN I CALLED I ASKED TO VERIFY LAST FOUR OF SSN THE SENIOR MANAGER SAID SHE COULDN'T BECAUSE THEY DON'T HAVE SSN ON FILE SO I ASKED HOW DO THEY KNOW WHO'S THE RIGHTFUL OWNER OF THIS ACCT AFTER OF A MIN ON HOLD SHE SAID SHE'S WITHDRAWING IT FROM COLLECTIONS I HOPE THIS HELP

Re: Brighthouse Cmi delete

fuzzybean — Sun, 23 Sep 2012 14:22:12 GMT

Woah! What's up with the all caps?

Re: Brighthouse Cmi delete

Anonymous — Sun, 23 Sep 2012 14:37:04 GMT

my bad fuzzybean i could bearly see the font sizes and my caps is always on turned it off just for you lol ...hope i didnt break the rules

Re: Brighthouse Cmi delete

fuzzybean — Sun, 23 Sep 2012 14:42:59 GMT

@Anonymous wrote:
my bad fuzzybean i could bearly see the font sizes and my caps is always on turned it off just for you lol ...hope i didnt break the rules

LOL! I don't know about any caps rule, but typically all caps is equivalent with yelling.

Re: Brighthouse Cmi delete

Anonymous — Mon, 24 Sep 2012 13:41:42 GMT

Mine is an unpaid collection. Sent a PFD via mail, no response! Sent a PFD via email last week and got a letter in mail several days later stating they can't.. Blah blah blah... For now will just continue to email a PFD to a different person every few days, keeping it to once a week for each of them... I was able to obtain email addresses for about 10 of their top execs... Wish me luck!

Re: Brighthouse Cmi delete

Anonymous — Mon, 24 Sep 2012 23:15:19 GMT

Congrats

Re: Brighthouse Cmi delete

Kidcat — Tue, 25 Sep 2012 02:55:46 GMT

@Anonymous wrote:
Mine is an unpaid collection. Sent a PFD via mail, no response! Sent a PFD via email last week and got a letter in mail several days later stating they can't.. Blah blah blah... For now will just continue to email a PFD to a different person every few days, keeping it to once a week for each of them... I was able to obtain email addresses for about 10 of their top execs... Wish me luck!

Can you pm me with the contact info. I have a letter from CMI acknowledging that the account is paid in full yet their system still shows an outstanding balance. According to the CSR they show a letter went out on that date but can't read the letter and they want me to send them a copy.

i want to send to higher ups who may just delete the TL over this very big oops.

Re: Brighthouse Cmi delete

Anonymous — Fri, 28 Sep 2012 19:53:36 GMT

Princechristian,

Would you mind PMing me those email addresses? I've managed to contact the president's office, but only through a form on their website. I'd much prefer using a direct email.

Thanks!