jmg05 Posted March 21, 2005 Report Share Posted March 21, 2005 I am in CA, and dealing with AMEX & NCO.I was told PAY in full amount by some date and there will be no report to credit bureaus and I get my cc back (who cares about the latter)Well I don't have the money, unemployed AND thought a check that was SEND to AMEX would arrive (bank never received the cancelled check)Well the 1st CA got defensive when I started asking for her name, fax# & address...so I get a 2nd CA and he offers me to pay half and 1000 installments BUT it would be reported to the CBs...OR pay it in full and I get to keep by CLEAN credit history...BUT he won't put anything in writing that IF I pay in full that I NOTHING will be reported... he tells me the odds are 1:100 the it gets reported, and I told him well THAT does me no good, I HAVE to search for the money and MAY still get reported with an R9.Should I:1) Validate to find out WHO to deal with (AMEX or the NCO)2) PAY in full and HOPE for the best3) Best way to send payment...I barely received my 'statement' from the CA a week after they 1st contacted me...ANy advice would be great... I was referred from some other board, that was very unsympathetic... eh if my situation is STRAIGHTforward, K let me know... and tell me to just pay...TIA Link to comment Share on other sites More sharing options...
divemedic Posted March 21, 2005 Report Share Posted March 21, 2005 Whatever you do, I wouldn't pay without that promise in writing. Why don't you DV? I would. The account details may help us answer further. Link to comment Share on other sites More sharing options...
admin Posted March 21, 2005 Report Share Posted March 21, 2005 Whatever you do, I wouldn't pay without that promise in writing. Why don't you DV? I would. The account details may help us answer further.In total agreement. Link to comment Share on other sites More sharing options...
jmg05 Posted March 22, 2005 Author Report Share Posted March 22, 2005 pardon my ignorance, DV means?What account details would help? Link to comment Share on other sites More sharing options...
codename_fortyseven Posted March 22, 2005 Report Share Posted March 22, 2005 DV = Debt validation. Do a search for a debt validation letter. There are many formats and strategies. Link to comment Share on other sites More sharing options...
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