How about this intro for a CA that wont respond to PFD?

[ruger33]

I DV'd a CA in May. They responded fairly quickly with validation. I have since sent multiple PFDs with no response. Thinking of sending another one with something like this as an intro. Keep in mind this account is from '07 and for only $475....

""To whom it may concern,

I have sent numerous letters offering to send payment on this account without response. As the time quickly approaches for this to become time-barred from inclusion in my credit reports, I would think that, you, as a company would be more receptive to recovering at least some of this alleged debt.

You promptly validated this account as required by the Texas Finance Code, but have since failed to offer up any solutions.  I am open to communication with you to resolve this account but, obviously we need to make a “deal” quickly as any leverage you may have in holding my credit report “hostage” is dissipating quickly...""

Thats all I have for now, any suggestions?

[ruger33]

more typing haha I like the feeling of arrogance it gives off

"...

If you are not interested in working out a deal for payment, you are always able and have my permission to permanently delete your reporting from all 3 credit bureaus at your earliest convenience.

If you decide to go ahead and delete, I agree to not contact you again concerning this matter"

[RobertEG]

Personally, I would not send any such letter.

They are not obligated to cut a deal.  If they feel they are entitled to full payment without any concession to delete, which by the way would be a violation of their reporting agreement with the CRAs, that is their perogative.

As for holding your credit report hostage, that is an allegation of intent that is not likely to entertain much good will.  They can rightfully state that their reporting ot the collection serves the primary purpose of the credir reporting system by providing others more complete information on your credit history.

They still have leverage even after credit report exclusion, as the debt will still remain unpaid, and thus can affect your ability to obtain new credit. 

It is, in my opinion, more apt to foster ill than good will.

[ruger33]

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@RobertEG wrote:

Prsonally, I would not send any such letter.

They are not obligated to cut a deal.  If they feel they are entitled to full payment without any concession to delete, which by the way would be a violation of their reporting agreement with the CRAs, that is their perogative.

As for holding your credit report hostage, that is an allegation of intent that is not likely to entertain any good will.  They can rightfully state that their reporting ot the collection serves the primary purpose of the credir reporting systems by providing others more complete information on your credit history.

They still have leverage even after credit report exclusion, as the debt will still remain unpaid, and thus can affect your ability to obtain new credit. 

Iit is, in my opinion, apt to make them less likely to make concessions.

A PFD is a form of good-will request.  The proposed letter is more a kick in the face than a basis for promiting good-will.

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my contention is that they can't "hurt" me anymore than they already are. It's been long enough that if they were interested in getting paid they would say so. That said, I'll probably just send another PFD but it's fun to write.

I've made multiple attempts to pay them but they don't seem interested.

Edit: I should mention that it'll be paid at some point in the near future regardless, but with it being so close to being time-barred I don't see any reason not to play a little hard ball and try to settle. I could always pay there office a visit... need to visit family there anyway haha...Maybe face to face negotiation will work

If I'm missing something, tell me. oh and I'm not trying to buy a house next month so a couple of months longer on the report doesn't bother me as it'll come off regardless

[ruger33]

Update... I've gotten absolutley nowhere with these people. Even offered a 100% PFD with no response. Finally called the OC and they agreed to pull back the collection for payment... done.

[Anonymous]

I agree with Robert. For anyone else looking at this post, do NOT use aggressive wording when talking to a CA or the OC. If it is truly not your debt, then some sarcasm may feel justified but ultimately is unnecessary and just plain rude. If it IS your debt, and you just want it removed then be prepared to kiss some a$$ even if they aren't responding to you. Imagine you are going in front of a judge and he can either give you a $50 fine, or send you to lockup for a couple months. If you are smart you will wear a suit and tie and reply Yes Sir, No Sir when talking to the judge. Same concept when you are trying to get a company to do something they are not legally obligated to do.