divadend Posted January 14, 2008 Report Share Posted January 14, 2008 Good news and bad news...I got my first deletion letter after sending a DV letter. The letter was dated 1/8/08. Original CA letter showed balance of ~$275. But I also got ANOTHER letter from the CA (Financial Credit Network) dated 1/7/08 with a new account number and different balance. New letter balance is $30. In it they say, "We are excited to offer you a great discount to help you pay our balance with AT&T...call today to get more details of this discount."My thought is to send a letter offering to pay the $30 by cashier check or money order in exchange for a complete deletion. In the letter, I plan to say once I receive an agreement in writing, I'll pay the $30 within 24 hrs. (Note: I'm not sure if they are reporting the new letter on CR or not, but just in case want to ask for deletion.)What's with the new letter? Should I do what I'm thinking? Any other suggestions?Thanks, CIC Link to comment Share on other sites More sharing options...
kevin3344 Posted January 14, 2008 Report Share Posted January 14, 2008 But I also got ANOTHER letter from the CA (Financial Credit Network) dated 1/7/08 with a new account number and different balance.You should always DV first before offering a PFD. If the letter contains the mini-miranda "unless you dispute the validity of this debt within 30 days..." then you should DV. Link to comment Share on other sites More sharing options...
divadend Posted January 14, 2008 Author Report Share Posted January 14, 2008 You should always DV first before offering a PFD. If the letter contains the mini-miranda "unless you dispute the validity of this debt within 30 days..." then you should DV.It does not contain the mini-miranda...that is what threw me. It is almost like one of those pre-approved letters as if it is a "good offer". The subject of the letter is DISCOUNT. No legal talk anywhere, not even mention that it has been reported to CB for collection.Thanks for the reply. Link to comment Share on other sites More sharing options...
kevin3344 Posted January 14, 2008 Report Share Posted January 14, 2008 If it's got a new account number and different balance ($275 vs. $30) it's probably a diffferent debt. That's a wide disparity. I would still DV as you need proof of any debt before you pay someone. That's the first mantra of credit repair: get in writing what the debt is for. In this case they're saying "we're giving you a deal!". Really, for what? They haven't showed you any real debt yet, so unless they prove what it is for it's just a piece of paper. Link to comment Share on other sites More sharing options...
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