CA reporting w/o Notice
Date: Thu, 06/03/2010 - 05:12
Before I ask them about doing a Pay For Delete, I wanted to know if I have any kind of leverage since the only notice I had gotten from them was when it showed up on my credit report and they did mention that the notice they sent out back in January was returned as undeliverable for some unknown reason.
Also, should I pay the original creditor (the hospital, as they said I could do so), or hold off and try and get the CA to delete the items by paying them instead?
Who told you they received your mail as undeliverable? How much
Who told you they received your mail as undeliverable? How much time has passed since the original bill and the negative mark on your credit report?
The CA said they receive the notice they sent out back. It was
The CA said they receive the notice they sent out back. It was about 4 months since the original bill and the first mark.
Quote:Originally Posted by AnonymousThe CA said they receive the
Quote:
Originally Posted by Anonymous The CA said they receive the notice they sent out back. It was about 4 months since the original bill and the first mark. |
Did you ask them what the address was on the undeliverable mail? If this would go to court, I would request they produce the undeliverable mail piece to prove they actually sent out a notice. Keep good records of all communications between yourself and them, also make sure you ask the name of the employee each and every time you speak to them, keep good records!
You could try working with the original creditor. Try requestin
You could try working with the original creditor. Try requesting something from them in writing that upon payment they will request removal of any negative credit reporting that they or any of their agents have done. If you have it in writing you can then dispute the account on your credit report. If it is not removed you will have a claim under the Fair Credit Reporting Act (FCRA). After you file suit they will want to remove it quickly.