coolcreditchick Posted February 22, 2005 Report Share Posted February 22, 2005 I sent out all my Dv letters and just got back a letter from the OC. it was sent CMRR and gave all my gas card statements, my internet application, and returned checks. So....I would say that that is alot of proof...where do I go from here? It is only for @ $300--Do is try to settle or just pay and ask for bad TL to be removed? It is the OC who is communicating with me and not a CA.....I am unsure why they responded. Link to comment Share on other sites More sharing options...
DocDon Posted February 22, 2005 Report Share Posted February 22, 2005 The info should have came from the OC through the CA, not directly to you.As it stands, the CA has not properly validated this debt.Try to work it out with the OC to get the collection recalled / deleted upon receipt of payment.If the CA attempts to collect, pounce on them. Link to comment Share on other sites More sharing options...
coolcreditchick Posted February 22, 2005 Author Report Share Posted February 22, 2005 I am embarassed to say that I think i Dv'ed the OC. I was under the impression that it had gone to collections but apparently it hadn't. So--am i screwed on this? Can I offer to pay them full balance in exchange for them listing it as in good standing and pd in full? I did the newbie stupid thing! Link to comment Share on other sites More sharing options...
DocDon Posted February 22, 2005 Report Share Posted February 22, 2005 Just DV the CA if it becomes an issue.You should always negotiate with an OC directly. This BS about a CA being the ONLY one you can deal with is just that.The CA is contracted (hired goons) by the OC to "motivate" you to collect - that's it. Link to comment Share on other sites More sharing options...
anti-something Posted February 22, 2005 Report Share Posted February 22, 2005 why were you under the impression it had been sent to a CA? did they use a different name when trying to collect? Link to comment Share on other sites More sharing options...
coolcreditchick Posted February 22, 2005 Author Report Share Posted February 22, 2005 Ok--here is where you get out the stupid stick to beat me! I think it never was assigned to a CA yet. I DV'ed the Dang OC who has all the records to screw me-lol.... So--am I banished to dumb-ss land? Link to comment Share on other sites More sharing options...
DocDon Posted February 22, 2005 Report Share Posted February 22, 2005 I'll opt for the stick. Offer a settlement with the OC. Don't forget to request they remove the negative information upon receipt of payment. They may not go for it, but you should always ask. Link to comment Share on other sites More sharing options...
coolcreditchick Posted February 22, 2005 Author Report Share Posted February 22, 2005 Thanks for the help--I will send them a settlement offer--Sad thing is that I am a brunette and I acted like a bleach blonde on this one. Link to comment Share on other sites More sharing options...
DocDon Posted February 22, 2005 Report Share Posted February 22, 2005 Link to comment Share on other sites More sharing options...
DocPC Posted February 22, 2005 Report Share Posted February 22, 2005 I'll fetch the bleach..... Link to comment Share on other sites More sharing options...
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