VZW & BCR Collection

[DUISlayer]

Okay, so here's my newest question (I seem to have quite a few today). I have a collection from VZW. I DV'd them, and they came back with proper information. I then tried a PFD, which they declined. I have now received a letter from BCR, which I've read a bit about on here. Some have said they've DV'd them, and BCR folds. If they're not reporting yet, should I wait until they report to EQ before I DV or PFD them? And if/when BCR reports, does that mean VZW's will disappear? Not sure how that works. Thanks.

Mike

[LIGHTNIN]

If they're not reporting yet, should I wait until they report to EQ before I DV or PFD them?  You dont have to wait  before sending a DV letter.

IMO, I would send a DV now as long as you have the funds to pay, that way you dont have to ask them to delete, just ask to agree to not report.

And if/when BCR reports, does that mean VZW's will disappear? no,  VZW can continue to report as long as it reports a $0 balance.

[DUISlayer]

Hmmm... alright. I think I'm gonna try to PFD VZW again... the first time I did it, I tried doing it for half the amount -- no wonder they denied it. I'll just try a PFD for the entire amount, and hope they bite. I'd rather not deal with BCR, especially if VZW can still report after I deal with them...

[LIGHTNIN]

IMO, I would check first if VZW still owns the debt. 

VZW may have sold the debt to BCR, then  I'm sorry but you would have to deal with BCR.

[DUISlayer]

How do I find out who actually owns the debt? It's still reported with EQ by VZW, which is who I first received letters from. Now they're coming from BCR.

[IOBA]

On your CR, does it show Verizon with a zero balance?  if it does, then they have sold it.  If Verizon still reports a balance due, they still own it and have just assigned it for collections.  

[DUISlayer]

Ah, okay. Yea, it's still showing Verizon... but the letters from BCR are probably too recent to know exactly who still has it. Another question regarding this account...

Date Opened: 12/2006
Date Reported: 01/2011
Date Major Delinquency First Reported: 11/2010
Date of First Delinquency: 12/2009

Now, with that above information, in my 81-month payment history, it shows perfect from 12/06 - 6/08, but then starting 07/08, says CA all the way through 12/10. Doesn't seem to make sense to me...