okdude Posted March 13, 2005 Author Report Share Posted March 13, 2005 How does one request a agreement letter to delete an account upon payment from CA? By asking for it on the phone and have them fax or send their letter OR draft my own letter, fax it and have the collection manager sign it and fax it back?Also, I disputed the account with the CRAs because I did not receive any contact ot notification regarding my owning the CA money and only found out about it through my CRs. Unfortuntely, I did not find this site in time and neglected to also send a DV to the CA. Is it too late to do that now? It has been almost 30 since I contacted the CRAs to dispute. I am in the state of HI. Link to comment Share on other sites More sharing options...
okdude Posted March 13, 2005 Report Share Posted March 13, 2005 How does one request a agreement letter to delete an account upon payment from CA? By asking for it on the phone and have them fax or send their letter OR draft my own letter, fax it and have the collection manager sign it and fax it back?Also, I disputed the account with the CRAs because I did not receive any contact ot notification regarding my owning the CA money and only found out about it through my CRs. Unfortuntely, I did not find this site in time and neglected to also send a DV to the CA. Is it too late to do that now? It has been almost 30 since I contacted the CRAs to dispute. I am in the state of HI. Link to comment Share on other sites More sharing options...
HeartRN Posted March 13, 2005 Report Share Posted March 13, 2005 Read this...http://www.creditinfocenter.com/debt/settle_debts.shtmlMost people will tell you to do everything in writing, although some have had success over the phone. When you settle the debt, make sure you get a deletion of that tradeline in writing before you pay anything. And that letter must be signed to be valid.Are you past the SOL for this debt?? You'll want to check this before you DV. If you are still within the SOL for HI, they have the right to take legal action against you.You can still DV the CA, and I would if you are past SOL. There is no time limit for that. Make them prove that they have a right to collect that debt, the amount is accurate, how they came to that amount, and that they have a right to collect in both states (your and theirs). Link to comment Share on other sites More sharing options...
HeartRN Posted March 13, 2005 Report Share Posted March 13, 2005 Read this...http://www.creditinfocenter.com/debt/settle_debts.shtmlMost people will tell you to do everything in writing, although some have had success over the phone. When you settle the debt, make sure you get a deletion of that tradeline in writing before you pay anything. And that letter must be signed to be valid.Are you past the SOL for this debt?? You'll want to check this before you DV. If you are still within the SOL for HI, they have the right to take legal action against you.You can still DV the CA, and I would if you are past SOL. There is no time limit for that. Make them prove that they have a right to collect that debt, the amount is accurate, how they came to that amount, and that they have a right to collect in both states (your and theirs). Link to comment Share on other sites More sharing options...
KentWA Posted March 13, 2005 Report Share Posted March 13, 2005 If they have never contacted you and only list it on your credit report, there is a trick I use. It is really admindotpp who suggested this. Give them a call (this is the only instance that I recommend calling), and ask them what this is about. They are going to go into collection mode on this. After that they have 5 days to send you the mini-miranda if they do not read it to you on the phone. Most likely they will not and you have your first violation.Wait about a week to ensure you do not get it, then DV them. The more violations you get them on, the more leverage you have againest them Link to comment Share on other sites More sharing options...
KentWA Posted March 13, 2005 Report Share Posted March 13, 2005 If they have never contacted you and only list it on your credit report, there is a trick I use. It is really admindotpp who suggested this. Give them a call (this is the only instance that I recommend calling), and ask them what this is about. They are going to go into collection mode on this. After that they have 5 days to send you the mini-miranda if they do not read it to you on the phone. Most likely they will not and you have your first violation.Wait about a week to ensure you do not get it, then DV them. The more violations you get them on, the more leverage you have againest them Link to comment Share on other sites More sharing options...
credit-nightmare Posted March 13, 2005 Report Share Posted March 13, 2005 When I did my Pay for delete ( just this past week or so ) I used a sample letter that I got here . I typed it up and faxed them a copy ( kept the little time / date sheet that went with it to show when it was faxed ) . In it it says if they agree to this PFD , type up a letter that meets the terms of the agreement that I sent over and have a offical rep. sign and date it etc. and fax it back with a cover sheet on the companys letterhead. I did this and they sent the coversheet ( which has the time and date from the fax incase they try to get tricky ) and three copies of the letter to me saying , basically, Due to an error we received your debt...we are sorry for this inconvience and will delete all negative info. from your credit report at all CRA. and the manager signed it. Mine was a medical collection and the OC was not on there because I had paid them already.They wont ( or atleast in my case) sign the one you send , they type up there own meeting all your terms.Like everyone else says ...get in in writing befor you pay anything. They will not keep their word if they have nothing to hold them to it. Link to comment Share on other sites More sharing options...
credit-nightmare Posted March 13, 2005 Report Share Posted March 13, 2005 When I did my Pay for delete ( just this past week or so ) I used a sample letter that I got here . I typed it up and faxed them a copy ( kept the little time / date sheet that went with it to show when it was faxed ) . In it it says if they agree to this PFD , type up a letter that meets the terms of the agreement that I sent over and have a offical rep. sign and date it etc. and fax it back with a cover sheet on the companys letterhead. I did this and they sent the coversheet ( which has the time and date from the fax incase they try to get tricky ) and three copies of the letter to me saying , basically, Due to an error we received your debt...we are sorry for this inconvience and will delete all negative info. from your credit report at all CRA. and the manager signed it. Mine was a medical collection and the OC was not on there because I had paid them already.They wont ( or atleast in my case) sign the one you send , they type up there own meeting all your terms.Like everyone else says ...get in in writing befor you pay anything. They will not keep their word if they have nothing to hold them to it. Link to comment Share on other sites More sharing options...
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