The O/C

[Anonymous]

I recently talked to an OC and they said they would definitly take a payment that has been sent to collections.  now my question is what kind of letter do i send them, so it can be removed from my CR.  I would assume a PFD.. though is it true I have to dispute the amount?

Thank you!

[Anonymous]

Yes, you can send them a PFD letter without disputing the amount in question.

Get everything in writing. Make sure you do not have a CA reporting this on your CRA's. If so, stress in your letter that the OC is to pull this back from them and ALL derog's will be deleted from your CRA's.

[Anonymous]

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kmw18 wrote:

I recently talked to an OC and they said they would definitly take a payment that has been sent to collections.  now my question is what kind of letter do i send them, so it can be removed from my CR.  I would assume a PFD.. though is it true I have to dispute the amount?

Thank you!

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What kind of account is it?  what is the DOFD or DOLA?  what is your SOL?

[Anonymous]

This is a past cableone account. The SOL is 4 years for an open account--how do I know if it is open?  The DOLA is May of 2005. The Balance Date is November of 2005.  is there a difference? 

I have another collection account on my CRs also for Cableone, also with the same Collection agency.  My CR says paid.  I don't have any record of it, nor does Cableone. I was to call the CA to at least get account numbers, and info.  Do i want to considering I am going to pay off the unpaid account through the OC directly? Or should I just wait until I have both accounts paid off and dispute?

I hope this helps!  Thanks!

[Anonymous]

Thank you so much. I think i am going to try this route. Cableone seemed very nice to work with, considering the circumstances.

[Anonymous]

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kmw18 wrote:

This is a past cableone account. The SOL is 4 years for an open account--how do I know if it is open?  The DOLA is May of 2005. The Balance Date is November of 2005.  is there a difference? 

I have another collection account on my CRs also for Cableone, also with the same Collection agency.  My CR says paid.  I don't have any record of it, nor does Cableone. I was to call the CA to at least get account numbers, and info.  Do i want to considering I am going to pay off the unpaid account through the OC directly? Or should I just wait until I have both accounts paid off and dispute?  

I hope this helps!  Thanks!

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Open account is the TYPE of account most come under this......promissary covers auto & mortgage loans....things that you sign for & usually have a certain amount paid until PIF.

This is an open account & if SOL is 4 years  your are within it.......send a PFD to the OC.  Ignore the CA  until you receive an answer from OC....make sure that it is worded exact.....they will accept payment & will not report to any credit reporting agency!!!  It must be on their letterhead and signed!

After you receive their letter  send a check right away.

Wait a few weeks after they cash the check & then DV the CA.

NOW im taking it that the OC is not reporting  just the CA is.

Message Edited by HappyDays on 02-10-2008 01:19 PM

Message Edited by HappyDays on 02-10-2008 01:20 PM

[Anonymous]

Though the other question lingers. I have another account with Cableone, according to the credit reports. It is noted as paid with a 0 balance. Cableone didn't have an account number or any other pertinant information. She suggested that i call CMI and get that info. Should I call now, or wait until I have the PFD taken care of?

Thanks again!

[Anonymous]

wait until after you get the one that is correct taken care of.......then DV the CA  about BOTH that they are reporting

[Anonymous]

Thank you so much for the input, it only makes sense.

[Anonymous]

I did send a PFD letter and I ended up receiving a letter from the collection agency. I originally send the PFD letter to the creditor ( CableOne) should I find out an actual person at CableOne to direct a letter to?

Thanks!