it was deleted but i messed up i think?

[momof2]

Ok i have a collectionthat i disputed , 2 days later I sent the CA a DV. I got the GC RR back the other day.

After calling and being on the phone with CMRE and the OC, come to find out this account wasnt fraud, it was the dr.s bill, which the CA told me the account was closed which means nothing to me, (i thought the dr bill and hospital were on the same bill from the hospital, guess not),

 Well I was looking at my e-mail and got my investigation results from Experian, I look it up and it was deleted, BUT here's my problem, I mailed them a PFD!!!

Did I mess up or will they just throw the letter away? I didn't dispute it to the other 2CRA's.

Should I wait to hear back from them before doing anything? Or should I dispute it with the other CRAs?

 Now I hope they don't reply to my PFD, since it was deleted and was impatient and sent the PFD before the investigation results, Is their a chance they will have it reinserted?

[Anonymous]

They can reinsert collections if they know it was deleted. Often they won't know it was deleted and keep sending in updates that don't show up. The CRAs will allow reinsertions for collections they told me. Besides the CA only has to modify the CAs account number and it can be reinserted easily. But they have to know it was deleted first. Then one day they see that you are not paying the debt and they sell it off to someone else who puts it back on your CR. I would still PFD if the amount is small to prevent it from coming back on. If not wait and see. Since it is off your CR, don't waste money unless you have something in writing from them saying it will be deleted just in case it goes back on.

Now... Maybe it slipped by on 1 CRA but then they will see the dispute on the other CRAs and verify to make sure it was still on all. Maybe they got your letter for PFD and they let it delete thinking you will pay. Hard to say what will happen.

My friend has his collections removed and 3 months later they found it and put it back on.

Message Edited by ilovepizza on 04-04-2008 08:34 AM

[momof2]

ilovepizza-----  The CA is listed on my TU and EX, i only disputed EX cause i dont have a recent TU report that i can dispute with(in order to dispute you need the report #, which i dont have one) so i couldnt dispute TU or I would have.

Could the account been deleted cause the account is closed?

I dont think the deletion has to do w/my PFD letter, b/c I only sent the PFD letter yesterday evening and the investigation reluts came in this morning, it's impossible for the CA to have gotten my PFD the same day i sent it when the company is located 10 hours from me.

The CA would have to verify it or tell the CRA that the account is deleted in order for the CRA to delete, i have heard this several times, so if the account was deleted then the CA would have to know about it,

I disputed the CA on 4-2-08 the results came back today 4-4-08, so wouldnt the CA have told the EX to go ahead and delete it?

[Anonymous]

Yea that came off pretty fast. Was the debt older than 7 years? Debts less than 7 years will go through the 30 day dispute process. Older ones can vanish in days with disputes. Doesn't matter when the collection was placed, original default date matters. If the debt is newer that they were collecting on you got lucky. Sounds like it was approved for delete.

[Anonymous]

When a CA  says an account is closed usually means that it was returned to the creditor!!  That is why it was deleted.    The creditor (DR office) can turn it over to another CA at any time within the 7 years from DOLA!!!!

I would contact the Dr. office....if they OWN the account   pay them before they turn it over again.

[momof2]

ilovepizza-----   the DOFD was 10/21/03 so its only little over 5 years old

[Anonymous]

You only need a new report (referance or file #) If you dispute online. I have have not pulled a new CR in almost a year. I have TC and when I see something   I file a dispute by fax or CMRRR.

[momof2]

happy---- should i call the CA to see if they still have it or if the OC has it??

[Anonymous]

You never call a CA.....when they said that account was closed.......the account was paid....sold or turned back to the OC......When an account is sold by the OC they never take it back....The OC must own the account & have assigned it to a CA (not sold) in order for it to be returned.

If 1 CRA is reporting  then you dispute with just that 1

If it is reported on 1-3 CRAs  you always dispute with all CRAs that are reporting  not 1 at a time!!

You made a Payment 3.07    this would have restarted your SOL  If your state goes by DOLA

Because this is medical....most medical are assigned to a CA  they are not reported by the OC.

If you know the DOLA (date of Dr visit)   I would contact the Dr. and try to pay them!!!  They can not accept payment if they sold the account.....just ask them.

The CA might have closed it because the DOFD/DOLA is past but I doubt it.

This CA is gone  don't worry about the PFD.

[momof2]

happy---- i sent them a PFD 2 days ago and only found out that the account was closed then deleted from one of my CR yesterday, needless to say, it's to late to get the letter back, its already on its way, but more info

I found out that the CA closed it and sold it to a new CA back in 1/2007, but they havent contacted me, what do you think will happen once CMRE the CA gets the letter, will they just toss it? i the Ca said they would delete it from my CR on TU, is their a chance that once its deleted that the new CA will contact me?

  Or do i just sit around and wait and hope that the new CA just threw it away since they never contacted me?

I dont know what to do the CA doesnt have the contact info for the new CA and the OC doesnt even have me in their computer system anymore and the lady i talked to said that they didnt take the account back