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    <title>topic Collection Removal Success! in Rebuilding Your Credit</title>
    <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Removal-Success/m-p/2113053#M266309</link>
    <description>&lt;P&gt;So I worked for an insurance company at the end of 2008 for only 90 days - we were temporary for 90 days, and if you did well enough, they offered full-time at the end of 90 days. I hated it, and when my 90 days were up, I declined the full-time offer. Well apparently a few of my clients canceled their policies within the first year, and my company tried to issue a chargeback for the commission I made on those policies, and then sic'd a baddie on me afterwards.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;In effort to clean up my credit report, I DV'd the CA - Stuart Allan &amp;amp; Assoc out of Tucson, AZ.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I DV'd them on April 24, 2013 (CMRR). I got my green card back (also tracked it online), and then the next day, I got a letter from them:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;P&gt;April 30, 2013&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;To: [Me]&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Re: Credit Report&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Our Client: [Insurance Company]&lt;/P&gt;&lt;P&gt;Our file number: [XXXXXXXXX]&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;The above referenced client has cancelled this account from our office. We have notified the credit bureaus to delete this item from your profile.&lt;/P&gt;&lt;P&gt;If you have any questions, feel free to call me.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Sincerely,&lt;/P&gt;&lt;P&gt;[signed]&lt;/P&gt;&lt;P&gt;Jxxxx Mxxxx&lt;/P&gt;&lt;HR /&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;YAY! So happy!&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;In case anyone was wondering, I used a simple typed DV letter that said:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;To Whom It May Concern:&lt;/P&gt;&lt;P&gt;I recently pulled a copy of my credit report and noticed that you claim I owe a debt to you. Per FCRA, please send me validation of this debt.&lt;/P&gt;&lt;P&gt;Thank you,&lt;/P&gt;&lt;P&gt;[signed] [dated]&lt;/P&gt;&lt;P&gt;Me&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
    <pubDate>Thu, 02 May 2013 22:47:02 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2013-05-02T22:47:02Z</dc:date>
    <item>
      <title>Collection Removal Success!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Removal-Success/m-p/2113053#M266309</link>
      <description>&lt;P&gt;So I worked for an insurance company at the end of 2008 for only 90 days - we were temporary for 90 days, and if you did well enough, they offered full-time at the end of 90 days. I hated it, and when my 90 days were up, I declined the full-time offer. Well apparently a few of my clients canceled their policies within the first year, and my company tried to issue a chargeback for the commission I made on those policies, and then sic'd a baddie on me afterwards.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;In effort to clean up my credit report, I DV'd the CA - Stuart Allan &amp;amp; Assoc out of Tucson, AZ.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I DV'd them on April 24, 2013 (CMRR). I got my green card back (also tracked it online), and then the next day, I got a letter from them:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;P&gt;April 30, 2013&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;To: [Me]&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Re: Credit Report&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Our Client: [Insurance Company]&lt;/P&gt;&lt;P&gt;Our file number: [XXXXXXXXX]&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;The above referenced client has cancelled this account from our office. We have notified the credit bureaus to delete this item from your profile.&lt;/P&gt;&lt;P&gt;If you have any questions, feel free to call me.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Sincerely,&lt;/P&gt;&lt;P&gt;[signed]&lt;/P&gt;&lt;P&gt;Jxxxx Mxxxx&lt;/P&gt;&lt;HR /&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;YAY! So happy!&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;In case anyone was wondering, I used a simple typed DV letter that said:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;To Whom It May Concern:&lt;/P&gt;&lt;P&gt;I recently pulled a copy of my credit report and noticed that you claim I owe a debt to you. Per FCRA, please send me validation of this debt.&lt;/P&gt;&lt;P&gt;Thank you,&lt;/P&gt;&lt;P&gt;[signed] [dated]&lt;/P&gt;&lt;P&gt;Me&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Thu, 02 May 2013 22:47:02 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Removal-Success/m-p/2113053#M266309</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2013-05-02T22:47:02Z</dc:date>
    </item>
    <item>
      <title>Re: Collection Removal Success!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Removal-Success/m-p/2113079#M266316</link>
      <description>&lt;P&gt;Congrats! That's exactly what happened with my husband and IC Systems.&lt;/P&gt;</description>
      <pubDate>Thu, 02 May 2013 22:52:44 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Removal-Success/m-p/2113079#M266316</guid>
      <dc:creator>Ravensfan2001</dc:creator>
      <dc:date>2013-05-02T22:52:44Z</dc:date>
    </item>
    <item>
      <title>Re: Collection Removal Success!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Removal-Success/m-p/2113081#M266317</link>
      <description>&lt;P&gt;Congrats!!!!!&lt;/P&gt;</description>
      <pubDate>Thu, 02 May 2013 22:54:10 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Removal-Success/m-p/2113081#M266317</guid>
      <dc:creator>Shogun</dc:creator>
      <dc:date>2013-05-02T22:54:10Z</dc:date>
    </item>
    <item>
      <title>Re: Collection Removal Success!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Removal-Success/m-p/2113087#M266319</link>
      <description>&lt;P&gt;Well then that's more good news for me! I DV'd IC Systems at the same time. Keeping my fingers crossed.&lt;/P&gt;</description>
      <pubDate>Thu, 02 May 2013 22:54:16 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Removal-Success/m-p/2113087#M266319</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2013-05-02T22:54:16Z</dc:date>
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