How to get a PFD.

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shllby1

Joined: 23 Feb 2007
shllby1's page
Posts: 2

124 Magic Points

Subject: How to get a PFD.

Fri Feb 23, 2007 11:23 pm

I have sent out DV letters which were validated, Now I am trying to get a PFD but they are saying they "cant" and "Wont" do that. It is illegal because they would be lying?? Arghhhh, I really want to buy a house within a year and I need to bring our score up. How can I get these collection agencies to do this? Am I asking to much? Thanks

stanley
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stanley

Joined: 23 Feb 2007
stanley's page
Posts: 54

3357 Magic Points

Fri Mar 02, 2007 7:35 am

My submission is: request for the 'paid in full' letter in writing, if they ignore it, then you can seek legal action against them. You can also ask credit bureaus to remove those accounts out of your report. What are the collection agencies you are dealing with btw?
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Stan
BTW, I am not a lawyer, I am here to share what Life has taught me.

Emmy

Joined: 02 Mar 2007
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Posts: 15
Location: Show-Me

1351 Magic Points

Fri Mar 02, 2007 7:22 pm

You said they validated. Are you positive what they provided would constitute as validation?
Did they provide copies of debits and credits of the account? Did they itemize all charges. The 7th Circuit ruled that they must itemize.
How are they reporting on your report? Who is the CA?

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* Disclosures:

Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.