Should I pay the OC or the CA?

[Anonymous]

I hate to sound like a dunce Timothy, but what exactly will these things accomplish.  I understand the MOV to the CRA (I think).  Can I MOV the CRA with the DV?  And when I do, won't they simply give me the name and number of the CA?  They may not even know I paid the OC.  Then I am back to square one.  Is that what DV'ing the CA does?  Forces them to call the OC?  And then, they may just update to paid.  From what I understand, paid is good, but it will not increase my score.  A collection is a collection paid or not, right?  This board is soooo much different than "the other one".  I feel like I have to unlearn everything that I learned before. Thanks for everyone's patience.  AND this may work for the paid collection.  The others that I owe may be agreeable to a PFD?  Or is there another method I should use to pay AND have deleted?

[Anonymous]

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daytona18 wrote:

Hmmm, it looks like a lot of people have had luck with Whychat's theory.

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Not sure how you're making that leap. I have yet to hear from anyone who's tried and succeeded with the Whychat theory, and right on the Whychat page, it states, and I quote:

"This letter is intended for the original creditor health care provider and is designed to obtain a deletion from credit reports, and stop collection agency activity.

It is NOT applicable if the account is valid and you are unable to pay it.

It will ONLY work if the claim is either INACCURATE, or you remit the valid correct amount due with the letter."

There is nothing in FCRA, FDCPA, HIPPA, the Declaration of Independence, the Be Kind To Pets Act, or anything else to support it.

[Anonymous]

Sorry if I was not more clear.

Request the MOV withh the CRA's they are required to to provide this if requested.

Many feel this will make them actually Verify it and/or delete it instead of just looking it up in a database or checking the data provided against an address on you CR.

DIV'ing the CA - If it's paid the OC can't really provide proff of a debt can they?

I feel if an OC accept your payment they should be required to withdraw the CA automaticaly-

IMO- This should force the issue.

There is an exelent MOV letter on the board- search for it.

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daytona18 wrote:

I hate to sound like a dunce Timothy, but what exactly will these things accomplish.  I understand the MOV to the CRA (I think).  Can I MOV the CRA with the DV?  And when I do, won't they simply give me the name and number of the CA?  They may not even know I paid the OC.  Then I am back to square one.  Is that what DV'ing the CA does?  Forces them to call the OC?  And then, they may just update to paid.  From what I understand, paid is good, but it will not increase my score.  A collection is a collection paid or not, right?  This board is soooo much different than "the other one".  I feel like I have to unlearn everything that I learned before. Thanks for everyone's patience.  AND this may work for the paid collection.  The others that I owe may be agreeable to a PFD?  Or is there another method I should use to pay AND have deleted?

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Message Edited by Timothy on 06-26-2007 10:26 PM