Charlie-
Both First Premier and Arrow are reporting. Reads as follows:
FIRST PREMIER
Account Number: XXXXXXXXXXXXXXXXXX Current Status: CHARGE-OFF Account Owner: Individual Account. High Credit: $0 Type of Account
: Revolving Credit Limit: $250 Term Duration: Terms Frequency: Date Opened: 2005/11 Balance: $0 Date Reported: 10/2008 Amount Past Due: $0 Date of Last Payment: 04/2006 Actual Payment Amount: $0 Scheduled Payment Amount: $0 Date of Last Activity: N/A Date Major Delinquency First Reported: 09/2006 Months Reviewed: 35 Creditor Classification: Activity Description: N/A Charge Off Amount: $418 Deferred Payment Start Date: Balloon Payment Amount: $0 Balloon Payment Date: Date Closed: Type of Loan: Credit Card Date of First Delinquency: 05/2006 Comments:Charged off account
ARROW:
Account Number: PREMIER B-4361XXXX Current Status: COLLECTION ACCOUNT Account Owner: Individual Account. High Credit: $418 Type of Account : Open Credit Limit: $0 Term Duration: Terms Frequency: Date Opened: 2008/09 Balance: $610 Date Reported: 07/2009 Amount Past Due: $610 Date of Last Payment: Actual Payment Amount: $0 Scheduled Payment Amount: $0 Date of Last Activity: N/A Date Major Delinquency First Reported: 12/2008 Months Reviewed: 7 Creditor Classification: Activity Description: N/A Charge Off Amount: $0 Deferred Payment Start Date: Balloon Payment Amount: $0 Balloon Payment Date: Date Closed: Type of Loan: Factoring Company Account (debt buyer) Date of First Delinquency: 05/2006 Comments: Collection account
I know this debt is mine and don't dispute its validity. I want to pay it, just want to pay the right person. Now Superior Assest Mgmnt. is calling about 5 times a day but with everything I've learned on myfico, I don't think they're the ones I should pay? When I first started on this forum, I had a credit score in the 400's and tons of collections, bad debt, and wrong info. I'm up to the (low) 600's, only 2 things left to be taken care of and everything else either was paid and removed or was proven not mine. I also just got my first credit card in 13 years. Never thought I'd get this far, so thank you to everyone on here!
charliebrown1370 wrote:
Hi Captain,
First question is who is reporting to the CRS? If it is Arrow then I would DV them, since you want to pay this off, and after they validate send them a PFD letter. Keep everything in writing.
@Anonymous wrote:Charlie-
Both First Premier and Arrow are reporting. Reads as follows:
FIRST PREMIER
Account Number: XXXXXXXXXXXXXXXXXX Current Status: CHARGE-OFF Account Owner: Individual Account. High Credit: $0 Type of AccountCharged off account
ARROW:
Account Number: PREMIER B-4361XXXX Current Status: COLLECTION ACCOUNT Account Owner: Individual Account. High Credit: $418 Type of Account : Open Credit Limit: $0 Term Duration: Terms Frequency: Date Opened: 2008/09 Balance: $610 Date Reported: 07/2009 Amount Past Due: $610 Date of Last Payment: Actual Payment Amount: $0 Scheduled Payment Amount: $0 Date of Last Activity: N/A Date Major Delinquency First Reported: 12/2008 Months Reviewed: 7 Creditor Classification: Activity Description: N/A Charge Off Amount: $0 Deferred Payment Start Date: Balloon Payment Amount: $0 Balloon Payment Date: Date Closed: Type of Loan: Factoring Company Account (debt buyer) Date of First Delinquency: 05/2006 Comments: Collection account
I know this debt is mine and don't dispute its validity. I want to pay it, just want to pay the right person. Now Superior Assest Mgmnt. is calling about 5 times a day but with everything I've learned on myfico, I don't think they're the ones I should pay? When I first started on this forum, I had a credit score in the 400's and tons of collections, bad debt, and wrong info. I'm up to the (low) 600's, only 2 things left to be taken care of and everything else either was paid and removed or was proven not mine. I also just got my first credit card in 13 years. Never thought I'd get this far, so thank you to everyone on here!
@Anonymous wrote:
Hi Captain,
First question is who is reporting to the CRS? If it is Arrow then I would DV them, since you want to pay this off, and after they validate send them a PFD letter. Keep everything in writing.
Since you have stated that you want to pay this account, I would DV Arrow and Superior Asset. Arrow looks to be the CA on record but they may have sold the account and it hasn't caught up to the CRAs yet. Only one will be able to validate. Be sure to put the "do not call me at home, work etc." paragraph in the DV letter. That should get the phones to stop ringing. Keep all correspondance in writing.
After you get the proper CA to validate, then send the PFD letter. Send these letters CMRRR. Keep us posted.