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Currently have two medical collections, one from 2008, other from 2009 in an otherwise clean report. The both just popped up on report a few months back. I disputed with cra's, both verified accts as mine. I have sent a few PFD's to collection agent but have not heard a response. Should I just bite the bullet and call them?? I want them paid either way, plus being in NY paid collections come off after 5 years.
I would send a DV to them. That would cease the collection activity until verified. When you put in a dispute through the CRA's it goes through E-Oscar and automated system. If you think the debt is actually yours, go ahead and contact them and see if they are willing to do a PFD. Good Luck.
That debt from 2008 should disappear from your credit report this year.. (2008-2013 is 5 years)
How much is the debt? Make sure you do not pay it unless you get a written statement that says it will be completely deleted of your credit reports. (If you need to pay it at all..)
Which month of 2008 was that debt reported?
It's reporting dofd as nov 2008 and june 2009. I also tried a DV to c/a, that was my first step. In return they sent a bill saying that validated the accounts.
If both the dispute and DV process have run their course, then further dispute of the debt itself would require action outside of the FCRA and FDCPA, such as legal action.
With debt validation having been provided, they are no longer under a cease collection bar, so you are free to negotiate with them.
Personally, I would call them, as personal negotiations can be both quicker and more fruitfull than paper offers. Just dont make any admissions of the debt.
Couch your offer as simply your effort to resolve the matter, not an admission of the debt.
The debt collector has zero involvment in credit report exclusion other than to report the debt as satisified, so I would not include any issues relating to exclusion under the NYS statute in negotiations with them over payment of the debt.
Upon satisfaction of the debt, that will become an issue between you and the CRAs, informing them that you are covered under the NYS exclusion date, not the full 7 yrs plus 180 days under the federal FCRA.