crfix Posted July 16, 2010 Report Share Posted July 16, 2010 Tradelines in question….CORNERSTONE CREDIT SERVICESAcct: #...... Balance: $137 Date Verified: 08/2008 Original Balance: $137 Original Creditor: GCI CABLE ANCHORAGE Past Due: >$137< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection<Date placed for collection: [ 09/2004] Estimated date that this item will be removed: 05/2011 CORNERSTONE CREDIT SERVI Acct: #...... Balance: $277 Date Verified: 08/2008 Original Balance: $277 Original Creditor: GENERAL COMMUNICATION INC Past Due: >$277< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection<Date placed for collection: [ 08/2004] Estimated date that this item will be removed: 05/2011 I disputed both of the items above earlier in late April. It was removed from Equifax and Experian but came back as “verified” on Transunion.I’ve been reading up on Debt Validation and Pay for Delete. I thought the first step was DV but now I’m thinking that it’s best to just ask for PFD first so as to “make things easier” for the collector since they don’t have to validate and they receive payment so they are more likely to agree to it. Does this sound right? Or should I just send a DV first? :'>The debt is for two utility type bills (phone and cable I think) so there is no signed written contract that I remember (though maybe for cable there was, I don’t remember). I lived in Alaska at the time and now live in CA so I’m not sure what SOL applies but I think at this point the SOL have run out for both states so I have that on my side. They are due to fall off my report in May of next year but I’d like it off sooner (much sooner) if possible.Sooo…. should I DV first? Or go for the PFD first and if they don’t agree to it, THEN DV?This is all starting to make my head spin... Help! Link to comment Share on other sites More sharing options...
crfix Posted July 21, 2010 Author Report Share Posted July 21, 2010 *bump*anyone?? Link to comment Share on other sites More sharing options...
shiroinu Posted July 22, 2010 Report Share Posted July 22, 2010 IMO there's no harm in doing a DV first. Unless you are in a rush to get this off your CR.. DV them wait the 30 days and if they don't delete you can just do the PFD then. Link to comment Share on other sites More sharing options...
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