Palisades Collection - CR states "KD"
Date: Wed, 05/09/2007 - 20:56
I just checked my credit report and there's a new entry for Palisades Collection. Apperently the account was opened in March of 2005 but I've received no letters/phone calls/information regarding this. There's also no payment history, "ND" listed from March 2005 but all of a sudden there's "KD" in the Jan 07 and Feb 07 months. (Please note this entry was not listed in a credit report that was pulled in July 2005. My credit rating has dropped 60 points!) It looks like this is for an AT&T Wireless charge except I haven't had AT&T wireless since the end of June in 2002. What should I be sure to include in the debt validation letter? How can I get the last four digits of the account number if Pacific Palisades won't answer the phone? How, when they do, can I avoid giving them my social security # to get my account number? I'm getting married soon and I'm very worried about having this on my record. How can I clean it up? Should I just pay the $54 fee? Will it go away?
Find one sample debt validation letter in this link. It covers a
Find one sample debt validation letter in this link. It covers all the points and the CA has to provide the details to you legally. Be sure to send the letter through certified mail, return receipt requested, to have a proof of your actions on the mentioned dates.
Palisades should provide all the requested information if they are authorized to report in your file. Otherwise, you have to file a dispute with the CRA and get their item removed from your credit.
