1) I paid RJM Acq Llc for a Target Store card in May, but it is still showing as a collections on my transuion credit report. Can I call RJM and ask that the collection be removed from my credit report. What are my chances that they will comply?
RJM are known to acquiesce to PFDs and likely GWs as well. Try GWs which are your only option and hope it works out for you. Otherwise, they can continue to report 'appropriately'
2) A creditor Arrow Financial Service is showing up as on my inquiries. Can a creditor pull my credit or can I dispute with transunion and have it removed?
When was the inquiry? If its a recent and its a legit debt, they are likely gonna start posting on your reports within a months time from the inquiry. They are likely, simply waiting to later claim that they had sent you a collection notice and the dunning letter to he mailing adress obtained from that soft pull. Maybe they did. I dont believe they would have. So its very important that you figure out if they are upto something and send out a DV asap so they dont report atleast until they validate. Once they get to post, they will sit back and relax and make you fight...Do you think there might be any pending unpaid debts? Is the mailing address on your CBRs your current mailing adress and also what those unpaid creditors (on which Arrow might be collecting) have?
3) Wells Fargo Card Service sold my account to another lender which I have paid off, Can I have Wells fargo deleted since it's paid and they do not own the account anymore? Would I have to GW Wells fargo or can I dispute it with transunion.
You cant have wells faorgo deleted. They have the right to report appropriately. But you can GW them.
4) I currently am paying Capitol one through Northland Group but did set up a PFD is it too late to request one? Or should I leave it alone since Capitol One still owns the debt and I did not settle? Same thing with Arrow Financial service for paying my Frist Premier CC.
Is Arrow collection related to your post#2?
Is Cap one a CO and sold? If not you can still request a PFD. Cap one dont usually play this game.Neither do FP. But you have to try and keep trying.
Any advice would help, thank you in advance!
Arrow pulled the credit on Jan 27, 2009 I didnt receive a notice from them as I was no longer living at the address that was on the card. I finally got a hold of my very old mail and the creditors letter was from FMS financial but after a week of calling them and no answer I called First Preimer and was given the # to Arrow (this happend last week), that is how I set up my payment plan for this account.
When I called both FP and Cap 1 to try to work out payment plans they referred me to the CA's to setup the plans, but this was before I knew I needed to get a PFD first.
