What do you say when you call a collection agency?

[gdale6]

---

@Anonymous wrote:
You're better off to send a letter and get confirmation of PFD in writing. In the event they do not remove it, you have documentation for dispute.

---

One would not want to dispute a PFD as its against CRA rules for them to do, the rules say they should update to a paid collection. Way to deal with it would be a compaint to the BBB after exhausting all options of dealing with them directly.

[Junebugz]

This is directly off of Midlands website under their FAQ's...

"Effective October 11, 2016 we have updated our credit reporting practices. As a result of these updates we will stop credit reporting on accounts that are both: Paid in Full or Paid in Full for less than the full balance and more than 2 years old based on time since the date of delinquency. Additionally, we will not start reporting on any new accounts if: Payments begin within 3 months of our mailing of our initial notice and Payments are made each calendar month thereafter until the account is Paid in Full or Paid in Full for less than the full balance. We are required to delete our credit reporting trade line 7 years after the original delinquency date regardless of the paid status."

Hope this helps.

[Anonymous]

Thanks everyone for the awesome replies. I’m going to cross my fingers and pray for this one.

I will write to both Midland and Jefferson Capitol by certified mail...and see if they will PFD once paid. I will keep everyone posted as to how it goes. 🙂

[vntrsc]

In respose to Bass_playr in post #7, I must respectfully disagree with his point in #2.   In order to preserve one's rights to validation, a validation request must be made in writing.  That is in accordance with 1692g(a)(4).

4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector;