need help.... need to delete negaive information

[jjgross]

Originally Posted by CreditCrisis

If I have an account that has been transferred or sold and I set up an agreement to either pay in full or settle, once this account is removed from who it was sold to, is the OC obligated to remove it or report it as satisfied?

If it was sold no,if it was transferred no.Once its sold they in theory have no control over it.But as you get further into credit repair you'll find they still have some control over it.If you dispute it they'll produce written proof of your commitment to them is that ok I don't think so but remember they sold a contract that still owed them money.Now if you sold your car/watch/or dvd player you have no rights to it unless they paid with a bad check.So to get them to do anything for you after you stiffed them for a bunch of money,even though you paid the ca.They think you still stiffed them.

[jjgross]

Originally Posted by jjgross

If it was sold no,if it was transferred no.Once its sold they in theory have no control over it.But as you get further into credit repair you'll find they still have some control over it.If you dispute it they'll produce written proof of your commitment to them is that OK I don't think so but remember they sold a contract that still owed them money.Now if you sold your car/watch/or DVD player you have no rights to it unless they paid with a bad check.So to get them to do anything for you after you stiffed them for a bunch of money,even though you paid the ca.They think you still stiffed them.

I wanted to make this sound better after i reread it.I didn't want you to think i think you stiffed them i was trying to give some thought of how they think.So i apologize if you thought i meant you.

[shivanibr]

So i did file a dispute with equifax and experian. I havent gotten a reply from equifax yet but experian did not remove it from my report and said that the information they had was accurate. Now what should i do?

[Trish]

Originally Posted by shivanibr

So i did file a dispute with equifax and experian. I havent gotten a reply from equifax yet but experian did not remove it from my report and said that the information they had was accurate. Now what should i do?

How is the CA reporting it? Can you post it?

[shivanibr]

The following is how it is reported in experian and if i check my report online there is also a link of 'potentially negative Items'. if i click on it this particular collection item comes up.

Collection Items
Credit Items
CREDIT MANAGEMENT LP
Address:
4200 INTERNATIONAL PKWY
CARROLLTON, TX 75007
(800) 377-7723
Account Number:xxxxxxxxx

Original Creditor:
SOUTH TEXAS RADIOLOGY GROUP-01
Address Identification Number:
0156673540

Status:
Paid,Closed.

Date Opened:
04/2008
Reported Since:
12/2008
Date of Status:
03/2009
Last Reported:
03/2009 Type:
Collection
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual

Credit Limit/Original Amount:
$51
High Balance:
NA
Recent Balance:
NA
Recent Payment:
NA
Account History:
Collection as of Dec 2008

[jjgross]

Originally Posted by shivanibr

The following is how it is reported in experian and if i check my report online there is also a link of 'potentially negative Items'. if i click on it this particular collection item comes up.

Collection Items
Credit Items
CREDIT MANAGEMENT LP
Address:
4200 INTERNATIONAL PKWY
CARROLLTON, TX 75007
(800) 377-7723
Account Number: xxxxxxxxx


Original Creditor:
SOUTH TEXAS RADIOLOGY GROUP-01
Address Identification Number:
0156673540

Status:
Paid,Closed.

Date Opened:
04/2008
Reported Since:
12/2008
Date of Status:
03/2009
Last Reported:
03/2009 Type:
Collection
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual

Credit Limit/Original Amount:
$51
High Balance:
NA
Recent Balance:
NA
Recent Payment:
NA
Account History:
Collection as of Dec 2008

Where it says terms is wrong you have no contract with the ca.

[Trish]

Yes, jj's right......the terms: 1 month is a violation. They are making it look like you had monthly payments with them......which is not true.

You should DV the CA.........even though it's a paid acct. Send something really short and simple.

This is honestly my favorite DV letter:

Your Name

Date

Re: Account # 123456787

Dear CA,

I dispute your claims in their entirety and request validation pursuant to the FDCPA.

Sincerely,

Joe Consumer

BUT you can add a little more if you wish....
If you want to state that you've noticed this acct being reported on your CRs inaccurately.....you can and then state that you dispute it.

I just think less is better when talking to a CA. Then if they don't update it/validate it or delete it......you can send a more aggressive letter.

HTH

[shivanibr]

Thanks so much. But where do i send the letter. Is this a mailing address or an email address. i tried looking for it on the experian webise but couldnt figure it out. Also, will it be okay if i draft a letter and post it here for you guys to review it before i send it?

[Trish]

Originally Posted by shivanibr

CREDIT MANAGEMENT LP
Address:
4200 INTERNATIONAL PKWY
CARROLLTON, TX 75007
(800) 377-7723

If you are going to DV the CA, use the address as listed on your CR.

[shivanibr]

Okay i will look into the report to check the address. Can i draft a letter and send it to you for review before i send it to the CA?