If you are like me, you wish that you knew about PFD a long time ago so for those of us who paid without doing a PFD, and are now suffering, I found this letter from a user that posted it earlier this year. I'm sure, after re-working the words to fit your own situation it may help. Here it is:
My charge off was deleted. This is what I did:
1: I settled the account for less than the full amount.
2: I disputed the accout on my credit saying it was incorrect.
3: I wrote this letter to the bill collector (and attached the supporting documents):
Re: Account number: XXXXXXX
Dear X;
Even though I did not cause the charge-off on my Wachovia checking account, I could not prove it, and was therefore stuck with the charge off on my credit history for 4 years. I decided to settle the account as soon as I could because it was ruining my life. However, I have recently come across some evidence that could prove that I was not responsible for the debt. I’m NOT trying to get the settlement money back; I would just like the negative mark removed from my credit history.
Here is a copy of the ChexSystems report I received when I applied for a checking account with my credit union and was denied. It shows signs of fraudulent activities using my information around the time my Wachovia bank account went into the negatives. The information listed is mine (the SS# and Drivers license, etc), which means that the bank could have not claimed false information was used unless someone else did it. Obviously, if I opened the account, the information would not be classified as “false”, because it would have belonged to me.
I know that this is not irrefutable, incontrovertible, undeniable evidence, but I think my willingness to work with your company and to settle the debt should add to my credibility.
My credit report is supposed to be a reflection of how I handle credit, but with this charge off that I did not cause, I’m being punished for someone else’s actions. I know the rule is that this negative mark could stay on my credit for up to 7 years, but I believe 4 years is a long enough time to suffer for something I did not do.
Please let me know your decision. Thank you
Sincerely,
_______________________ (XXX-XX-XXXX)
I just got an email from Experian saying they deleted it! I'm waiting to see what the other two will do!
Message Edited by nfg on
10-28-2007 06:55 AM
