No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Sidewinder are you around? or anyone else who might be able to help?
Here's the PFD letter I revised to ask for no reporting. Can someone with experience doing this take a look for me and let me know if I'm missing anything?
Thanks. I appreciate it.
Almost_there
Re: Collection Account for JK Harris
Amount: $150.00
To Whom It May Concern:
This letter is to inform you that the validity of this debt is disputed. I am not sure of the account number.
In the spirit of compromise, I am willing to settle this account if you agree to not report this account to any and all credit reporting agencies (Equifax, Experian and TransUnion). The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form.
If you agree to the terms and accept this agreement, certified funds for the settlement amount of twenty-five dollars ($150.00) will be sent to NCO in exchange for no reporting of ALL references regarding this account from my credit files and full satisfaction of the debt. As certified funds will be used for payment, there shall be no waiting period regarding the deletion of this account from the credit reporting agencies.
NCO agrees to not report any information regarding this account to the credit reporting agencies and will not discuss the terms of this settlement with anyone, excluding your client on this account. If contacted by any third party, including credit-reporting agencies, NCO will not acknowledge that any settlement offer was made, accepted or executed and will, in fact, deny knowledge of any such account.
If you agree to the above terms, please prepare a letter on your company letterhead explicitly agreeing to the same terms as the above settlement offer and have it signed by an authorized representative of NCO. It will be implied that this letter shall constitute a legally binding contract, enforceable under the laws of my state.
Your response must be postmarked no later than 15 days from your receipt of this settlement offer or this offer will be withdrawn and I will request full validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act.
Please address all correspondence regarding this account to:
You
123 Any Street
City, State Zip
The above in RED should agree. Other than that, it looks like a pretty standard PFD letter. Remember not to sign the letter, just type your name.
@almost_there wrote:
Sidewinder are you around? or anyone else who might be able to help?
Here's the PFD letter I revised to ask for no reporting. Can someone with experience doing this take a look for me and let me know if I'm missing anything?
Thanks. I appreciate it.
Almost_there
Re: Collection Account for JK Harris
Amount: $150.00
To Whom It May Concern:
This letter is to inform you that the validity of this debt is disputed. I am not sure of the account number.
In the spirit of compromise, I am willing to settle this account if you agree to not report this account to any and all credit reporting agencies (Equifax, Experian and TransUnion). The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form.
If you agree to the terms and accept this agreement, certified funds for the settlement amount of twenty-five dollars ($150.00) will be sent to NCO in exchange for no reporting of ALL references regarding this account from my credit files and full satisfaction of the debt. As certified funds will be used for payment, there shall be no waiting period regarding the deletion of this account from the credit reporting agencies.
NCO agrees to not report any information regarding this account to the credit reporting agencies and will not discuss the terms of this settlement with anyone, excluding your client on this account. If contacted by any third party, including credit-reporting agencies, NCO will not acknowledge that any settlement offer was made, accepted or executed and will, in fact, deny knowledge of any such account.
If you agree to the above terms, please prepare a letter on your company letterhead explicitly agreeing to the same terms as the above settlement offer and have it signed by an authorized representative of NCO. It will be implied that this letter shall constitute a legally binding contract, enforceable under the laws of my state.
Your response must be postmarked no later than 15 days from your receipt of this settlement offer or this offer will be withdrawn and I will request full validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act.
Please address all correspondence regarding this account to:
You
123 Any Street
City, State Zip