Question about CA .

[Anonymous]

Hi frnds

         My wife has a CA(which was opened in Jan'06) in her CR regarding her University(OSU) Fee

she paid her fee due in april'06 and that CA was closed in May'06.

  Can GW the CA for deletion of that account her CR ? Can v approach the Oklahoma State Univ for the removal of this CA.

Thanks in Advance

reddy

Message Edited by HI-ALL on 12-10-2007 06:01 PM

[SmartCookie]

You sure can GW either.  I'd start with the CA since you paid them.  Is anything reporting from the OC?  If so GW that too.

If you don't get results with the CA, try the OC if they had not sold off the account at the time you paid.  If no one responds to the first attempt... keep up the GWs to the CA every month or two.

[Anonymous]

Hi Smart Cookie

 Thanks for your reply. CA is closed in May 2006(It was opened in March'06 & closed in May'06).No reporting/no activity from OC bcoz, v paid that amt in April 2006 itself.

'try the OC if they had not sold off the account at the time you paid', I didn't get you wht do u mean by this.

Thanks for ur help n have a gud night

Thanks

reddy

[Anonymous]

Hi Hi-All. Welcome.

We have our own language here. Many abbreviations. OC = Original Creditor; CA = Collection Agency.

See the thread at top of page "Guide to Common Abbreviations", or something like that:

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=52625

Quite often, An OC will actually sell the account to a CA. In which case the OC is taken completly out of the picture, and you must deal directly with the CA.

Hope that answers your question.

Message Edited by Sylviatob on 12-11-2007 08:29 AM

[Anonymous]

Hi Sylviatob

     Thanks for ur reply & info..I read that abbrevations already.

Importantly we paid the balance amt to the OC(ie.OK state Univ), not to the CA.

In this case can we GW  CA or OC?

More over Nobody contacted us from CA about this payment?

waiting for the reply.

Thanks&Regards

reddy

[Anonymous]

Hello again. Have a good friend that went to OSU. Lives around Lawton.

In this case you should definitely GW the OC. If OSU still indeed owned the account, they need to send to CA instructions to delete the baddie from your CR, IF the CA was the one who put it on there.

Hope that helps.

[Anonymous]

Hey Sylvaniatob

  Great,you have frnd who is studying in OSU...

My DW finished her graduation from OSU and used to stay in stillwaster.

  Thank you very much for ur immediate response.

I will GW the OC (ie OSU) first and i will let you know the updates.Can GW  with e-mail or phone ????

Thank you

reddy

[Anonymous]

Many here on the forum recommending that it should be in the form of a letter, via U.S.P.S.

Some have had luck getting a late removed over the phone. Many have with the letter method.

In all honesty, I've never tried the mail approach, and my one and only 1 phone GW didnt work. It was with Cap1.

Perhaps others will chime in on their preferred method.

Are you still in OK? I'm in the Dallas/Ft.Worth area.

[Anonymous]

Hi Sylvaniatob

        Thank you, I will prefer the letter method by U.S.P.S.

 No I am not in OK,in New Jersey now.

I will let you know, once I get the reply from them.

Thanks

Have a nice Day