Hello, Iv'e used this site in the past to work on my credit using some of the PFD letters that has been posted on here. They have been very successful, Iv'e had a few, six to be exact removed from my credit report. I'm now back at it again trying to remove more collections/charge off's off of my report. I have four PFD letters that I will be mailing out Tomorrow 11/04/2019. I will keep everyone updated as things move along.
I have a question reguarding a collection on my account, and i have no idea how to approach it. The account in question is Santander Cosumer USA. I had a vehicle loan with them some years ago and the car was repossesed, It is showing a zero balance, paymet status is charged off, Account status showes closed, Balance updated 10/01/2018, Status updated 10/01/2018 Date opened 04/01/2015 and it aslo showes that the account has been sold to NCB Management Services. NCB management also showes on my report with a balance of $9,704.00. Balance updated 09/20/2019 Date opened 09/01/2018 Status Updated 11/01/2018 Account status Closed.
my question is who do i go after first, Santander since the account is sold and showing a zero balance or NCB Management? I'm thinking santander even though its sold and showing a zero balance just so i can get it off my account but i dont know what type of letter to send. what do you suggest i do?
Has anyone had any success with these types of accounts being removed? I did recive a call from NCB Managemnt a few weeks ago and they wanted to settle for about $3,000 but i couldn't do anything with such a large payment at the time and didn't want to give any info reguqrding my bank account to make monthly payments.
