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PFD Letter, no response but deleted from Credit Report

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Anonymous
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PFD Letter, no response but deleted from Credit Report

Good afternoon everyone, 

 

I sent a PFD letter to a Collection Agency, after about a week they receive the letter, the collection was removed from my credit report, acording to Credit Karma.  I have not received any responce from the collection agency, and now i'm wondering what do I need to do next?

 

 

Fico8 06/2016
EQ: 614 TU: 620 EX: 639

Message 1 of 13
12 REPLIES 12
Anonymous
Not applicable

Re: PFD Letter, no response but deleted from Credit Report

Paid collection? If so do nothing.
Message 2 of 13
RobertEG
Legendary Contributor

Re: PFD Letter, no response but deleted from Credit Report

It is contrary to their credit reporting agreements with the CRAs to delete based on payment of the debt.

Thus, not formally responding may be viewed as a way of side-stepping their agreement not to PFD.

 

Message 3 of 13
Anonymous
Not applicable

Re: PFD Letter, no response but deleted from Credit Report

donny10, no, I just sent the letter, no money at all

Message 4 of 13
Anonymous
Not applicable

Re: PFD Letter, no response but deleted from Credit Report

It might be that they are investigating the account or that it has been sold to someone else.
Message 5 of 13
Anonymous
Not applicable

Re: PFD Letter, no response but deleted from Credit Report

Who is the CA? CA's are notorious for playing little "reindeer" games.
Message 6 of 13
Anonymous
Not applicable

Re: PFD Letter, no response but deleted from Credit Report

donny10, the CA is Convergent Outsourcing 

Message 7 of 13
Anonymous
Not applicable

Re: PFD Letter, no response but deleted from Credit Report


@Anonymous wrote:

donny10, the CA is Convergent Outsourcing 


Tough spot. Not sure what advice I would give you....

 

If it were me, being Mr. Brave and always LOVE a good challenge would call them and discuss the issue...

 

I would not admit to owing anything, but willing to either PFD or PAY not to report anymore.

 

The question is why have they deleted. It could re-appear at anytime.

 

They may have deleted hoping you will call and settle not to re-report. 

 

Who knows, but it will drive you crazy (I know the feeling).

Message 8 of 13
RonM21
Valued Contributor

Re: PFD Letter, no response but deleted from Credit Report

I would wait to see if it remains that way. Do you only use CK to check your reports?


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 9 of 13
Anonymous
Not applicable

Re: PFD Letter, no response but deleted from Credit Report

Don't wait.
Message 10 of 13
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