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Posts posted by farang

  1. I just got a collections letter from Jefferson Capital. They are offering to resolve for about 55% of the alleged debt. 

    Is it a good idea to accept an offer like this? I'm not really worried about my credit score and I can afford to pay this off but I wonder if I have a better option.

    Thank you in advance for your comments.

  2. I received a collections letter for a debt owed to Paypal. Earlier this year I noticed 3 fraudulent charges on a checking account and they were from Paypal totaling $90. I called Paypal to question the charges and it was an account that was just opened that day and somehow they had my debit card information tied to that account. The bank ended up removing the fraudulent charges and I thought it was over. Now Paypal tells me that I need to file a police report for the incident in order to cancel the collection.

    Is it really necessary for a police report? I have free legal services through my employer and was thinking of letting them handle it.

  3. I just had a new collection show up on my report, AFNI for $76, creditor, AT&T.  Shows in Experian and Equifax. They sent me a letter offering to settle for $38.

    My question is, should I accept their settlement offer or should I dispute the debt?


    Thank you in advance for your response.

  4. I've been working to build up my credit score after years of neglecting it, I currently have scores of:


    Eq 616, TU 592, Ex 607


    I had a credit card for 7 months and recently had my limit increased to 2500 from 2000, and a 2nd card with a 300 limit.


    I have 2 collections and they are for rather small amounts so I wonder if I would be better off just paying them. One is for $71 and the other is $446.


    Should I try for removal of the items or just pay them?


    Thank you for your help.

  5. Enhanced Recovery Company just reported a collection on my report that dropped me from 726 to 658.

    The amount is $446 and Sprint is the company owed.

    Should I try a PFD with ERC or would I be better off trying to make a deal with Sprint?

    ERC earlier offered to settle for $246 but it wasn't appearing on my report at the time so I didn't do it.


    I'd appreciate any help here.



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