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follow-up with CA after payment

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Sven

Joined: 22 Jun 2009
Sven's page
Posts: 63

1597 Magic Points

Subject: follow-up with CA after payment

Thu Jul 30, 2009 8:52 pm

They received my payment on the 17th. Nothing has been deleted off my credit report, nor have I received confirmation from them that they received the payment.
What should be in that letter now? I don't know if they are required by the FCRA to send me a confirmation...if so, that could go in there. Anything else?

carol

Joined: 27 Jun 2006
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Posts: 1307
Location: Los Angeles, California

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Fri Jul 31, 2009 9:40 am

Hi Sven

When your creditor agreed for the PFD, I hope you got it in writing. As far as I remember the letter you had shown, it was there I believe. I can't remember clearly though. However, you could give them a 30 days time to get the record removed.
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Sven

Joined: 22 Jun 2009
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Posts: 63

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Fri Jul 31, 2009 1:15 pm

Yeah.. the PDF said 10 days... their letter said it might take the credit bureau up to 90 days to update their records. Are they not required to send me a letter stating that they received the payment? Thsi is so frustrating. I thought it would be over 1-2 weeks after I send them the payment...

Sven

Joined: 22 Jun 2009
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Posts: 63

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Sat Aug 01, 2009 1:55 am

Sorr, just wanna bump it up.. after all those junk messages.

carol

Joined: 27 Jun 2006
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Location: Los Angeles, California

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Sat Aug 01, 2009 8:44 am

Sven

I am afraid you will have to hold your patience and I am hoping that you had sent them a request for receipt upon payment. How did you make the payment? By check I suppose. You can hold that as evidence that you paid them. You can only wait for the records to be updated. If they claim payment again you can dispute the debt and get it off your report.
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Sven

Joined: 22 Jun 2009
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Sat Aug 01, 2009 6:21 pm

No, I did not request a receipt. I thought it would be a standard procedure to receive a receipt. I sent them a USPS check. I already requested a photo copy of the cashed check. They will send it to me.
I will send them a letter on monday again. Looks like there's nothing I can use against them at this point ( like a FCRA requirement to send me a receipt etc. )? Guess that I will just ask them now.

Sven

Joined: 22 Jun 2009
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Posts: 63

1597 Magic Points

Sat Aug 01, 2009 9:43 pm

Btw, would it be a good idea to dispute the account? Experian has an online dispute. You can even send a message to the CA through it. I could say that a lawsuit is following if they do not remove it. I got it all in writing etc. Might be a bad idea, though. But the PDF included " CA will not acknowledge that any settlement offer was made, accepted or executed and will, in fact, deny knowledge of any such account."

So, they credit bureau should not be able to verify it and delete it. No sure if such action could backfire, though....

goodnatured

Joined: 03 Nov 2007
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Posts: 3927

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Sun Aug 02, 2009 3:06 am

I have had better luck calling up the credit reporting company and getting a person to talk to you. I had an item removed by calling and speaking to someone.

If you are a little leary on talking to them on the phone you can use the online form that Sven has mentioned above.

goodluck, hope you get this all straightened out.

Sven

Joined: 22 Jun 2009
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Posts: 63

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Sun Aug 02, 2009 3:12 pm

It will only be removed cause the CA agreed to it. I don't really want to let the credit bureau know why it's gonna be deleted Smile

carol

Joined: 27 Jun 2006
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Posts: 1307
Location: Los Angeles, California

29555 Magic Points

Mon Aug 03, 2009 9:41 am

Hi Sven

Quote:

Btw, would it be a good idea to dispute the account?

I don't think so.

You have asked for a PFD and the CA has agreed to it. Let them update the report. Maybe you could call them and talk to someone reliable to get it done a.s.a.p
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Sven

Joined: 22 Jun 2009
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Mon Aug 03, 2009 3:11 pm

Well, I am thinking about sending them a leter asking for a receipt. Would that make sense now?

Sven

Joined: 22 Jun 2009
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Posts: 63

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Mon Aug 03, 2009 3:14 pm

omg nevermind! I just checked my credit report and it is GONE!! YAY!
My score is now even the same as it was before !!! Smile

It is still on my Transunion credit report, though!

carol

Joined: 27 Jun 2006
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Posts: 1307
Location: Los Angeles, California

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Wed Aug 05, 2009 12:32 pm

Hey congratulations Sven Smile

This is great! All your hard work did pay off finally eh? good Smile

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