Bi Business Posted December 26, 2007 Report Share Posted December 26, 2007 Just paid off Wolpoff... over 1500 for a charged off credit card. Deletion wasn't part of the agreement, as we agreed in the hallway before the judge heard the case, so I was relieved just to get a payment arrangement vs a judgment. Now that it's paid, what's the best remedy? Should I dispute as not mine and hope they don't validate? Or dispute as a PAID collection in hopes that it gets updated? Link to comment Share on other sites More sharing options...
willingtocope Posted December 26, 2007 Report Share Posted December 26, 2007 Not quite that simple. If you paid Wolpop, do you have proof it actually got applied to the OC's account? Was this a payment in full or a settlement? Do you have anything in writing that says this satisfies the account? Do you have anything that says the OC won't purse the balance? And, are you sure they didn't sneak back into court and get a judgement for the account anyway? Link to comment Share on other sites More sharing options...
Bi Business Posted December 27, 2007 Author Report Share Posted December 27, 2007 Not quite that simple. If you paid Wolpop, do you have proof it actually got applied to the OC's account? Was this a payment in full or a settlement? Do you have anything in writing that says this satisfies the account? Do you have anything that says the OC won't purse the balance? And, are you sure they didn't sneak back into court and get a judgement for the account anyway?Yes, agreement states that the amount was PAYMENT IN FULL. However, they didn't agree to delete. I accepted anyway being that we were scheduled to head into the courtroom in 30 mins. For clarification...I paid Wolpoff in full and now need to find out how to get it deleted. I'm hoping they won't verify if I dispute, being that they've got their $$$. Was truly no way around it. I called their bluff and they actually followed through w/ a lawsuit. I settled w/ the guy to avoid an inevitable judgment as well as court costs. Link to comment Share on other sites More sharing options...
willingtocope Posted December 27, 2007 Report Share Posted December 27, 2007 Well, if W&A is reporting, then you're first shot ought to be disputing it with the CRAs as "not mine" and see what happens. They might not verify, but you never know. There probably isn't anything you can do if the OC is reporting....W&A can't speak for them. Link to comment Share on other sites More sharing options...
Bi Business Posted December 27, 2007 Author Report Share Posted December 27, 2007 Well, if W&A is reporting, then you're first shot ought to be disputing it with the CRAs as "not mine" and see what happens. They might not verify, but you never know. There probably isn't anything you can do if the OC is reporting....W&A can't speak for them.Yup, that's the bad part. W&A isn't on my report. Just the OC. Should I contact them instead? It was just a sticky situation all around. No way out of it at that particular time. Would it be reasonable to ask the OC to remove it, now that I've paid the CA in full? Thanks for your feedback BTW. This board is working wonders for my FICO. Link to comment Share on other sites More sharing options...
willingtocope Posted December 27, 2007 Report Share Posted December 27, 2007 Depends on the OC...probably the best you can hope for is "paid in full"..."paid collection" is more likely.Wouldn't hurt to give them a call...make sure they got the money (really, you can't trust W&A to get this right)...and ask how they'll report. Link to comment Share on other sites More sharing options...
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