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I received 2 validation letters, now what?

I received 2 validation letters, now what?

I received two validation letters from AFNI and Portfolio Recovery, what do I do now?

Message 1 of 8
7 REPLIES
Frequent Contributor

Re: I received 2 validation letters, now what?

How old are these collections and are you planning on doing a PFD or GW?

Message 2 of 8
Community Leader
Super Contributor

Re: I received 2 validation letters, now what?


cjane1 wrote:

How old are these collections and are you planning on doing a PFD or GW?


Let the negotiations begin!

Most Recent FICO 8 Scores EX616/TU587/EQ607 01/09/2018 Starting scores 553/485/543 08/25//2017
~~~Credit lines~~~~
SDFCU VISA Secured $250
Discover Secured $200
Message 3 of 8
New Contributor

Re: I received 2 validation letters, now what?

Presumably they validated your debt.  Is all the information correct?  How much are the collections?    What is your goal?  Do you wish to have the collections removed completely?  Or just show as paid?  Do you have the money to pay the debts in full? Do you need time?  Do you have time?  Depending on your answers, you may want to negotiate with OC to pull the debt back from the CA.  Depending on if you will deal with the OC or the CA, will determine the answer to your “what now?” question.

Message 4 of 8

Re: I received 2 validation letters, now what?

They are from 2010 and 2012.  I have send them PFD letters last month but I got no response.


cjane1 wrote:

How old are these collections and are you planning on doing a PFD or GW?


 

Message 5 of 8
Community Leader
Super Contributor

Re: I received 2 validation letters, now what?


Hoping4goodscore wrote:

They are from 2010 and 2012.  I have send them PFD letters last month but I got no response.


cjane1 wrote:

How old are these collections and are you planning on doing a PFD or GW?


 


What is the SOL in your state?

Most Recent FICO 8 Scores EX616/TU587/EQ607 01/09/2018 Starting scores 553/485/543 08/25//2017
~~~Credit lines~~~~
SDFCU VISA Secured $250
Discover Secured $200
Message 6 of 8

Re: I received 2 validation letters, now what?

4 years I believe, CA

Message 7 of 8
Frequent Contributor

Re: I received 2 validation letters, now what?

I will PM you the emails for AFNI. I paid my collection then emailed to the first person on the list and it was taken off my report within 4 days. I didn't get a return email but when I looked on Credit Karma 4 days later it was off.... The collection you have from 2010 can you wait for it to drop off?

Message 8 of 8