Collection Shield 360

[Anonymous]

I signed up with these guys last summer, not really expecting much to come of it. A couple of items have disappeared but nothing ground shaking. Today I received the following email communication from them:

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Hi Norman,

Since you’ve enrolled with Collection Shield 360 we’ve been working to get the collection accounts removed from your credit reports. The attorneys won a case against <snip> for you and they agreed to pay a settlement to you. When a collection agency violates the FDCPA they are required to pay statutory damages to you and cover the cost of all attorney fees.

The settlement agreement is attached. Please sign the agreement and send it back to us by email <snip> or by fax to: <snip>. As soon as we get the signed agreement we will get it over to the collection agency so we can get your account taken care of and get you your settlement check. You can check the status of the check on our website.

If you have any questions please call me at <snip>.

Have a great day,

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The CA agreed to a settlment of $2500. My portion for doing absolutely nothing whatsoever is going to be a minimum of $200.

Sweeeeet.

BTW, the violation they committed was failing to either remove the report or mark the account as "disputed" after receiving a direct dispute.

These guys are legit!

[azguy13]

Is this actually a free service that the attorneys make their money on settlements with the CA? I just gave it a lookover and it doesn't look like they ask for any payment info at all. I typically avoid all "credit repair" services but this seems like it's a no-risk situation. Most of the time it's just companies with the name "law" in it taking advantage of people who don't know anything about credit. This does not necessarily seem to be the case. 

[Anonymous]

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@Anonymous wrote:

I signd up with these guys last summer, not really expecting much to come of it. A couple of items have disappeared but nothing ground shaking. Today I received the following email communication from them:

-------------------------------------------------------------------

Hi Norman,

Since you’ve enrolled with Collection Shield 360 we’ve been working to get the collection accounts removed from your credit reports. The attorneys won a case against xxxxxx for you and they agreed to pay a settlement to you. When a collection agency violates the FDCPA they are required to pay statutory damages to you and cover the cost of all attorney fees.

The settlement agreement is attached. Please sign the agreement and send it back to us by email <snip> or by fax to: <snip>. As soon as we get the signed agreement we will get it over to the collection agency so we can get your account taken care of and get you your settlement check. You can check the status of the check on our website.

If you have any questions please call me at <snip>.

Have a great day,

-----------------------------------------------------------------------

The CA agreed to a settlment of $2500. My portion for doing absolutelty nothing whatsoever is going to be a minimum of $200.

Sweeeeet.

BTW, the violation they committed was failing to either remove the report or mark the account as "disputed" after receiving a direct dispute.

These guys are legit!

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Now that is simply amazing.

[Anonymous]

100% free to the consumer. They make their profit from the suits and settlements. The Attorneys they use get 80%, and the consumer and Collection Shield divide the rest, with the consumer guaranteed $200 minimum. For doing absolutely nothing but registering on their site.

[CostantinoA]

I signed up with them as well. They are slow to complete the work but looks like they are making progress.  Thank you for sharing your story.

[fltireguy]

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@Anonymous wrote:

100% free to the consumer. They make their profit from the suits and settlements. The Attorneys they use get 80%, and the consumer and Collection Shield divide the rest, with the consumer guaranteed $200 minimum. For doing absolutely nothing but registering on their site.

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Norman,

I signed up with them over a year ago, when they first started. They made a bunch of baddies go away, for free... I have nothing but good things to say about them!

I wish I was as lucky as you were with the suit though..LOL

[Anonymous]

Signed up a week ago and was emailed today being told they've disputed 2 collections out of 6 so far. If these come back verified, then what? I understand if they don't within 45 days they go after them to be deleted, but if verified I didn't know then what happened. Thanks for the insight.

[nolamike]

This sounds amazing and i wonder if they will help me. I say that because of the situation i am in.

I got my annual credit report in Nov 2016 and TU an EQ were showing a collection with the account opened date of May 2015 and Nov 2016 as date of last activity. The reports list Portfolio Recovery Associates as the creditor with an original account being Capital 1 for $386.

I had a secured card with Cap1 in 2011 with a $250 limit. When Hurricane Issac destroyed my home, job, and life in 2011 that account was closed. Besides my checking and savings accounts it was the only account I had so there is no confusion about which one was closed.

All my mail was forwarded for a year and I have placed change of address notices with USPS every time I moved and Cap 1 even sent my check for my deposit refund to my new address. I have never heard from PFA at all. No calls no mail nothing.

Just the entries on my credit report showing 2015 and 2016 dates.

Even though the account was properlt closed this collection attempt would be past the statute of limitations and all I can figure is that PFA is trying to "age" this account so they can get a judgement claiming inacurrate activity dates and communications etc.

If a law firm demands it be removed under threat of suit I doubt they will argue so CS 360 would not make any money.

Is will call them tomorrow but I wonder if anyone here has any insight in the mean time.

[Anonymous]

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@Anonymous wrote:

I signed up with these guys last summer, not really expecting much to come of it. A couple of items have disappeared but nothing ground shaking. Today I received the following email communication from them:

-------------------------------------------------------------------

Hi Norman,

Since you’ve enrolled with Collection Shield 360 we’ve been working to get the collection accounts removed from your credit reports. The attorneys won a case against <snip> for you and they agreed to pay a settlement to you. When a collection agency violates the FDCPA they are required to pay statutory damages to you and cover the cost of all attorney fees.

The settlement agreement is attached. Please sign the agreement and send it back to us by email <snip> or by fax to: <snip>. As soon as we get the signed agreement we will get it over to the collection agency so we can get your account taken care of and get you your settlement check. You can check the status of the check on our website.

If you have any questions please call me at <snip>.

Have a great day,

-----------------------------------------------------------------------

The CA agreed to a settlment of $2500. My portion for doing absolutely nothing whatsoever is going to be a minimum of $200.

Sweeeeet.

BTW, the violation they committed was failing to either remove the report or mark the account as "disputed" after receiving a direct dispute.

These guys are legit!

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 Two collections disappearing is not ground shaking?  How I wish I could get the only one I have left to disappear.  That would be an earthquake for me!

[Anonymous]

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@nolamike wrote:

This sounds amazing and i wonder if they will help me. I say that because of the situation i am in.

I got my annual credit report in Nov 2016 and TU an EQ were showing a collection with the account opened date of May 2015 and Nov 2016 as date of last activity. The reports list Portfolio Recovery Associates as the creditor with an original account being Capital 1 for $386.

I had a secured card with Cap1 in 2011 with a $250 limit. When Hurricane Issac destroyed my home, job, and life in 2011 that account was closed. Besides my checking and savings accounts it was the only account I had so there is no confusion about which one was closed.

All my mail was forwarded for a year and I have placed change of address notices with USPS every time I moved and Cap 1 even sent my check for my deposit refund to my new address. I have never heard from PFA at all. No calls no mail nothing.

Just the entries on my credit report showing 2015 and 2016 dates.

Even though the account was properlt closed this collection attempt would be past the statute of limitations and all I can figure is that PFA is trying to "age" this account so they can get a judgement claiming inacurrate activity dates and communications etc.

If a law firm demands it be removed under threat of suit I doubt they will argue so CS 360 would not make any money.

Is will call them tomorrow but I wonder if anyone here has any insight in the mean time.

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Last activity dates are meaningless. COMPLETELY meaningless. Only date that matters is Date of first default. (DoFD). 

BTW, got a check for 200 bones a few weeks ago for the settlement.