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PFD Letter

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Derrill
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Subject: PFD Letter
 
Posted on Fri Aug 27, 2010 4:23 am  

Hi,

I just checked my credit reports last week and found a collection for a valid medical debt that was just put on. I called the medical office and they verified it. So, I asked if I make the payments will they delete it off my reports? The person asked me to call the CA and they said they would. But i wanted a letter stating that they would remove it if I paid.

Now, they have sent me the letter, its on there letterhead. The only thing I question is it says if its not off in 30 days to dispute it. Now if they say its paid and tell the CRA's to remove it why would there be any chance of it being on there in 30 days?

The letter:

August 18, 2010


my name
my address


CBR ACCOUNT # XXXXXXX
SSN: XXX-XX-XXXX
ORIGINAL CREDITOR: XXXXXXXX XXXXXXXX XXXXXXXX
ORIGINAL ACCOUNT # XXXXXXXX

Original Balance $ 436.00

Payment Date: August 18, 2010

Dear Mr. XXXXXXXXXX:

When payment in full has been received on the above referenced account, a request will be sent to Trans Union, Equifax, Experian, and CBC Innovis on September 8, 2010 to have this derogatory item deleted from your credit file. If it is still being reported on any report 30 days after that date please dispute the information through the individual credit reporting agency. If you need any further assistance with this account, please feel free to call me at XXXXXXX, ext. XXX.


Sincerely,


XXXXXXXX XXXXXX
Account Manager
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: PFD letter
 
Posted on Fri Aug 27, 2010 6:08 am  

Hi Derrill,

This is a PFD agreement. You can go forward and make the payments. However, just check if the letter is properly signed. If it is signed, then check whether or not the person has the real authority to offer you this agreement and sign the letter.

Quote:
The only thing I question is it says if its not off in 30 days to dispute it. Now if they say its paid and tell the CRA's to remove it why would there be any chance of it being on there in 30 days?
Sometimes the credit bureaus take time to delete items from your credit report. Thus, the collection agency has mentioned about the dispute.

Hope this helps.

Thanks,

Aaron
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cinnamngrl



Joined: 01 Nov 2008
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Posts: 1320



6413 Magic Points

 
Posted on Fri Aug 27, 2010 10:58 am  

all this means is that you may need to forward this letter to the CRAs to speed up the deletion. I would ask them for a 2nd letter upon receiving payment that just says we have requested deletion of this account.
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CMRRR Templates
How to PFD, OPT-out, Complain, etc
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Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: pfd letter
 
Posted on Sat Aug 28, 2010 10:02 am  

Hi cinnamangrl,

Quote:
I would ask them for a 2nd letter upon receiving payment that just says we have requested deletion of this account.
Well that's a nice idea Smile

Aaron
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cinnamngrl



Joined: 01 Nov 2008
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Posts: 1320



6413 Magic Points

 
Posted on Sat Aug 28, 2010 2:06 pm  

In the past, that is what has happened to me.

make agreement for pfd
make payment
get deletion letter
send copy of letter to 3 cra's
_________________
CMRRR Templates
How to PFD, OPT-out, Complain, etc
All credit articles at EHOW
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: credit
 
Posted on Mon Aug 30, 2010 12:30 pm  

Thanks cinnamngrl for sharing the information.

Aaron
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