This is my post from earlier......
Tuscani,
I found your example letter by searching the threads.
I've posted elsewhere but havent heard back from anyone as yet, so maybe you could help!!
I've rec'd settlement offer letters from NCO on a Cap1 CO. Wont go into the whole history, but feel better about dealing w/NCO now that I;ve read a thread dealing with other members' sucesses with NCO. Even got a good contact to email.
What I dont know is how to word my email to NCO. The are evidently just assigned on this CO as Cap1 is the only one reporting. I want to request a settlement but want to offer less than theirs (they're proposing roughly 60%+ and I want to propose (at least to start about 30-40%). I dont feel as tho I'm trying to cheat them at that am't as the total is now $1934 for a CL of $200 that I never exceeded until lates and then over limits were added. I tried to deal w/Cap1 direct back in 03 and got nowhere so I let it all ride.
I want to get this off my report as an unpaid CO, even tho it's scheduled to drop 06-10 and is past SOL in GA.
I keep finding PFD letters, but is my situation a PFD one?!?! Since Cap1 is the one reporting, can NCO even agree to PFD since they are the CA but not OC and they are not reporting?!?!? And I'm not disputing the debt, so need to word it differently.
And any thoughts on just what to say in my email ?? Read that others emailed this contact, then rec'd written confirmation and everything was done as agreed. Think NCO is nicer since their legal woes! but I didnt see anyone dealing with CC CO....most were medical, phones, etc.
What special terminology do I want to use to be sure it shows as paid in full, no balance due, and ensures that cap1 reports it that way ?
I'm grateful for any assistance you can provide!!!
FICOS: TU 732(05-16-16) EQ '08 739( 05-16-16) EX 737 (08-17-16)
