dovedescent7

JESUS LORD!!COULD SOMEONE HELP a brotha out?????

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can you please stop ruining my threads?You have repleid to every single question without helping me at all WHATSOEVER..Please just go away,your giving me a bad taste in my mouth about this site..Please,just go away,you really cant offer any sound advice on this PLEASE AND THANK YOU

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First of all, insulting one of the longtime, most valuable and knowledgeable members of the site is NOT the way to get answers to your questions.

Your post offers little in the way of an original question to answer. Everything you need to know about PFDs is available in the stickies and by using the search function.

Lay off the attacks on the people who spend a lot of time here helping people!

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Wow, you are really something huh? :shock:

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=289663

I tell you what I think might help you and you find it, and then you are even more confused. So I tell you, (since I don't know that much about what might can help you), to post another topic asking for help in that specific area. And you post this. Way to get answers. :roll:

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I'm attacking you? :ROFLMAO2:::laugh:::LolPointUp: :LolPointUp: :roflmao:

Okay, I'll leave you alone then and won't post on "your" thread anymore. You have a nice night though and I hope somebody can explain whychat to you and maybe it will be useful to you, maybe not.

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Whychat Method- LUEser's Understanding.

You begin the OC. You Pay in full, and then rescind your permission for them to release your PHI. Make sure you notate that only the OC should cash the cashier's check or money order (make sure they're secured funds and make a copy of the front and back).

You then dispute with the CRAs, using the HIPPA dispute letter.

You then inform the CA that the debt has been settled, that they have no purpose to verify your PHI with the OC and that that right has been rescinded, then you tell them to Cease and Desist.

Since you've paid the OC directly, they can't do anything about this, like for example, sue you.

Then, you dispute once more with the CRAs if it didn't come off the first time.

If they verify again, then you threaten and then follow through with suit against the CA for FCRA violations.

Simple, no?

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one more question....

I guess im also keeping open the option of PFDing the CA.

When i spoke with the CA a while back they said they "do not delete" listings from the reports and that the OC doesnt allow it.

Are they bs-ing me?

Should i try PFDing the CA first?

Or go for PFDing the OC first?

I want full-proof,do-it-right-the-first-time results..if u know what i mean

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If you're going to do a PFD, why would you start with the CA rather than the OC? :confused:

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because i THOUGHT the CA had the power to remove it.When i spoke with the OC today,she said she would still have to report it to the CA.So since i pissed the CA off by going to the OC,i ASSUMED they will list it as paid collection or anything other than the DELETE that i want..

but as i am new,i obviously dont know and i just ASSUME :)

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the CA is saying that they cant delete it and that they would have to TALK to the OC.And the OC said they would send something to the CA..

I actually paid some parking tickets a few years ago to an OC after it had gone to the CA and it is still on my report to this day as paid collections

So thats why i dont know exactly what to do...

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I know nothing about nothing yet...but perhaps someone more knowledgeable can further clarify:

I've read, I think on here...that today no one really delete's when they are paid. I think the new thing is...getting it in writing that if you pay the debt that they will not verify the information with the credit bureau's. Since they won't verify the info, the credit bureau has no choice but to remove the entry when you dispute it.

Again...I've read alot of things on a few websites, but it seems many opinions contradicts many others. No one sees the laws or statutes the same and it's enough to drive a new person crazy. I understand your frustrations. It's almost like every single thing has a catch 22 and your just basically screwed no matter what you do.

Luckily I've got a good sense of humor about it and can see the comedy in it. I'm in the same boat. I'm more worried about my credit report than anything else. Hang in there.

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I work in the field and I would pay the CA if they own the debt. If they are just collecting it for the OC then thats a whole other story. As for removing it from your CR, its not going to happen. It does not matter who you pay, the CR will report it as paid when its paid, in I think 7 years it will go away eventually but for now you will have to see it and so will everyone else. The thing is you paid it so that looks good and does not automatically mean you won't get credit, it will bring your score up. Also a cease and desist notice does NOT mean the CA or OC can not file legal papers and notify you. It does not stop any actions besides you not having to hear from them by phone or mail(besides legal proceedings). My best advice, stop playing games with them and pay the debt if you owe it. They will mark it as paid and you move on. You could possibly settle for less than what you owe too, make them a reasonable offer, if you own a home or any other items of great value, they will know because they can check your credit report. Just think, if you pay it, you won't have to spend every night and day on this site. Also you may want to keep in mind that as your debt sits there its more than likely acruing post charge off interest which is just as high as the previous interest charged on it, the only thing not happening is the late fees and over the limit fees. :-)

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Ummm, OP, you need to read between the lines of the first time poster who is implying that PFD requests are a waste of your time and "not going to happen."

Coffeeaddict admittedly works in the debt collection field and therefore is not going to give you unbiased advice (or is unlikely to do so). Note that he/she is just telling you to pay the CA, pretty much with no questions asked.

PFD arrangements are made every day - it doesn't mean that a CA, OC, or anyone else is obligated to offer you one if you are in collection - but it happens. Probably the majority of active CIC posters, if not closer to 90% has been able to obtain a PFD at one point or another!

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"...you paid it so that looks good...it will bring your score up..."

Perhaps coffeeaddict doesn't know that updating a collection account, regardless of reason, typically causes a DROP in a consumer's credit score. The score goes down, not up. Therefore, there's no benefit to the consumer to pay. The only benefit is to the CA.

Why not use your influence to persuade your employer to accept PFD? That option would benefit both you and the consumer.

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