Hello readers!
I've been lurking on this forum for a while, and I love all the advice you guys give! It's helped me out a lot on a few of the processes involving my credit report. Already in the last thirty days I've had one item disputed of, and one GW off. Here's the current situation:
I have one CA on my CR reporting 2 debts from the same company (an urgent care clinic). The amounts are 122 and 104. 122 is from last Janurary from the CA, DOFD is approx 2 years ago, give or take a few months. The 104 is 4 years old, DOFD around the same time frame (4 years). I have offered a PFD in person (took the letters to the company; they're literally down the street from me) and was told, "no way, but I'll let my boss look at them". I was also told that I would get nothing in writing (I don't think they understood the PFD concept honestly. They thought I wanted a delete before paying. The letter was the form letter on this site). I contacted the OC, and was told that if the debt was assigned less than 6 mos ago they would pull it back, but now it was too late. I can pay the OC, but if I do that then the OC would end up paying the CA (sounded very odd to me). Apparently the OC still owns the debt, but it's been assigned to this CA that they use. I'm wondering what my best next step is to get this deleted. I'm pretty sure I'm still in the SOL, but I'm not terribly concerned about a lawsuit, as this company has tried to collect different debts (apparently, as I've only heard from them a few times) in the past. Should I pay the OC and then go the HIPPA route? (I'm still confused about that btw). Should I pay the OC and then contact the CRA stating the OC was paid, therefor the CA has no right to report the debt? Any advice would be appreciated!
treysdaddy08
P.S. I'm going to be in the same town as the OC on Monday and Tuesday, so I'd like to have a plan in motion before then, if I could. The OC is not reporting anyting on my CR, btw.
Starting Score: 2/2/12 - 551
I want to bump this up because I forgot to check the box :-)
Although I don't have anything of use to you I'm wondering the same exact thing. I have a medical bill that just went to CSB (Collections Service Bureau) and the don't actually purchase the debt. I've dealt with them before and they actually delete it after collecting. They have a policy that they can't settle for anything less than 15% of the total debt (Booooo). They've only been assigned to collect on it. They just got it last month and haven't reported it on my CR yet. Looking for the best course of action. I was thinking of writing a GW letter to the Hospital with a $500 check contingent upon them agreeing to a payment plan of some sort. Hope we find our answers 
Bump for the night watchers. I could really use some advice!
Listen you just want to pay and have them deleted right? Call OC AGAIN explain to them that if they could put a call in to the CA to help you get a pay for delete you would be most grateful. This is what I did and LOL they even deleted it before I paid
Starting Score: 0
When you are dealing with OC's or CA's, don't talk with the front staff. Because they will only tell you " I'll get back with you after I ask the boss",so ask the boss yourself.
If you talk with them on the phone or go in person, ask to speak to the supervisor or manager. If front end ask why, make up something like " I was told to". The managers or supers are the ones who can authorize the deletes. Be as sweet as honey, because getting mad and upset will not get you anywhere.
My experiences with getting deletes, I found there's not a one size fits all. All of my medical CA;s agreed with PFD or GW letters.
Yes I know, I was lucky, but it still took some time to do.
When dealing with people, timing is everything. Mondays are not a good day, Fridays are better, people are in a better mood thinking about the weekend.
Here's my question. Ifi go in Monday and pay the OC (they have already said that they would accept payment) do I have a valid reason to get the CA off my CR by saying I paid the OC?
thats a little tricky it depends. On my report the CA refused to do a pay for delete so I went to the original creditor the hospital billings supervisor and asked her to either pull it back from CA or get them to delete for payment It also depends on who owns the debt. CA or hospital Ask them to help you after all its getting paid in full butr work this out before paying alot easier then after the fact