Best way to proceed
Date: Sun, 03/25/2012 - 13:01
I am trying to clean up my fiance's credit, just pulled her credit report and found the following:
Ok backstory First: My fiance filled ch7 in 1/09 shows completed 10/09. She got her divorce from previous husband finalized in 07/2010. She has 3 collections showing on her report that were not included in the BK:
1. VIRTUOSO SOURCING GRP LLC (for dayton power and light) reported 3/2012 assigned 12/2011 for $54 (never recieved anything in writing or by phone)
2. FFCC-columbus inc (for time warner)1st deliquincy 11/2009 (she moved out in 8/2009 her husband remained and agreed to pay the bill and return the box he never did) reported 11/2011 assigned 07/2011 (never notified in any way) $426
3. FFCC-columbus inc (for time warner) same info as previous but for $384
Should I contact them and try for pay for delete? I've read about DV but they mention this should be done within 30 days but since she was never notified of anything would this still apply?
We live in Ohio if that matters, basically what would you do in our shoes?
Thank you very much.
Ok backstory First: My fiance filled ch7 in 1/09 shows completed 10/09. She got her divorce from previous husband finalized in 07/2010. She has 3 collections showing on her report that were not included in the BK:
1. VIRTUOSO SOURCING GRP LLC (for dayton power and light) reported 3/2012 assigned 12/2011 for $54 (never recieved anything in writing or by phone)
2. FFCC-columbus inc (for time warner)1st deliquincy 11/2009 (she moved out in 8/2009 her husband remained and agreed to pay the bill and return the box he never did) reported 11/2011 assigned 07/2011 (never notified in any way) $426
3. FFCC-columbus inc (for time warner) same info as previous but for $384
Should I contact them and try for pay for delete? I've read about DV but they mention this should be done within 30 days but since she was never notified of anything would this still apply?
We live in Ohio if that matters, basically what would you do in our shoes?
Thank you very much.
I would recommend that you send a DV to each of the collection c
I would recommend that you send a DV to each of the collection companies to make sure if they are legally collecting on each of the accounts. Once you have their replies, you can start paying on those accounts. Try and negotiate a good settlement. Verify if the accounts reported by FFCC-Columbus Inc are two different accounts or just one account mistakenly reported twice.
I'd skip the DV and send each a pay for delete request. Since t
I'd skip the DV and send each a pay for delete request. Since the balances are so low, you have a better chance at getting them to agree. Also include the fact that her ex was supposed to handle it and that since she's realized he didn't she wants to take care of it, etc.