help with rjm acq llc.

[nutcase]

hi guys I appreciate all the help you guys have given. I have a totally clean report, but now on my ex and tu I have rjm acq. showing $173 owed to bank of america checking now I do not know about this account I did not have a BOA account in 7-8 years. so I right away disputed the collection account online(I know I should have done it via usps) with experian and trans union and they verified it within 24 hours on experian they changed the date that it will report till 03/2014 and on tu they responded 3 days later updating to 05/2014. so I sent out a dv letter crrr via usps a week ago. what is my next step with them? all help would be much appreciated

[nutcase]

bump

[Analysis]

I just saw a new account appear on my Experian report from RJM, sent RJM a simple DV, and the account vanished in a matter of days.

[nutcase]

I just saw a new account appear on my Experian report from RJM, sent RJM a simple DV, and the account vanished in a matter of days.

hi thanks for your response ]. did you dispute it also with cra? I did and they verified it within hours(i sent them dv also) I hope I get same result. thanks

[Credit Mama]

I too have RJM on my CR ( dropped me 35 points).

 

 

 

 

Together we shall stand and fight!

 

I mailed my DV two weeks ago. No response.

Edited March 23, 2012 by Credit Mama

[Analysis]

I just saw a new account appear on my Experian report from RJM, sent RJM a simple DV, and the account vanished in a matter of days.

hi thanks for your response ]. did you dispute it also with cra? I did and they verified it within hours(i sent them dv also) I hope I get same result. thanks

 

In the future, do not do online disputes. For this tradeline, send a DV to RJM.

 

I did not dispute mine with CRA, just sent DV.

[Credit Mama]

For clarification who did you send your DV cMrrr to ?

[nutcase]

I sent it here!

RJM Acquisitions LLC

Suite 224

575 Underhill Blvd

Syosset, New York 11791

[nutcase]

I just saw a new account appear on my Experian report from RJM, sent RJM a simple DV, and the account vanished in a matter of days.

hi thanks for your response ]. did you dispute it also with cra? I did and they verified it within hours(i sent them dv also) I hope I get same result. thanks

 

In the future, do not do online disputes. For this tradeline, send a DV to RJM.

 

I did not dispute mine with CRA, just sent DV.

 

I just checked them out on the bbb and they became bbb accredited as of 2/24/2012. does that mean they are trying to be more customer friendly??

[JunkBuyersWorstNightmare]

I just saw a new account appear on my Experian report from RJM, sent RJM a simple DV, and the account vanished in a matter of days.

hi thanks for your response ]. did you dispute it also with cra? I did and they verified it within hours(i sent them dv also) I hope I get same result. thanks

 

In the future, do not do online disputes. For this tradeline, send a DV to RJM.

 

I did not dispute mine with CRA, just sent DV.

 

I just checked them out on the bbb and they became bbb accredited as of 2/24/2012. does that mean they are trying to be more customer friendly??

 

You are NOT their customer. Whomever actually owns the paper is.

[nutcase]

I just saw a new account appear on my Experian report from RJM, sent RJM a simple DV, and the account vanished in a matter of days.

hi thanks for your response ]. did you dispute it also with cra? I did and they verified it within hours(i sent them dv also) I hope I get same result. thanks

 

In the future, do not do online disputes. For this tradeline, send a DV to RJM.

 

I did not dispute mine with CRA, just sent DV.

 

I just checked them out on the bbb and they became bbb accredited as of 2/24/2012. does that mean they are trying to be more customer friendly??

 

You are NOT their customer. Whomever actually owns the paper is.

I hear you. what I meant was do you think they are trying to accommodate to keep up there reputation a+ score and accredited...

[JunkBuyersWorstNightmare]

I just saw a new account appear on my Experian report from RJM, sent RJM a simple DV, and the account vanished in a matter of days.

hi thanks for your response ]. did you dispute it also with cra? I did and they verified it within hours(i sent them dv also) I hope I get same result. thanks

 

In the future, do not do online disputes. For this tradeline, send a DV to RJM.

 

I did not dispute mine with CRA, just sent DV.

 

I just checked them out on the bbb and they became bbb accredited as of 2/24/2012. does that mean they are trying to be more customer friendly??

 

You are NOT their customer. Whomever actually owns the paper is.

I hear you. what I meant was do you think they are trying to accommodate to keep up there reputation a+ score and accredited...

 

Remains to be seen. Most collectors don't care a rat's flowers about that. All they care about is the bottom line.

[brainchasm]

From what I've seen, the vast majority of RJM's portfolio is paper well outside the SOL for legal action, and usually outside the SOL for reporting.

 

Check your local laws, find out for sure on the dates and such, and if it's outside the reporting SOL, tell them to pound sand.

 

They still send me a letter about once a quarter about some way old Wells Fargo checking account. But they've never tried to put it on my reports; if they do, I'm sure I can make it cost them more than the paper could ever be worth.

[JunkBuyersWorstNightmare]

From what I've seen, the vast majority of RJM's portfolio is paper well outside the SOL for legal action, and usually outside the SOL for reporting.

 

Check your local laws, find out for sure on the dates and such, and if it's outside the reporting SOL, tell them to pound sand.

 

They still send me a letter about once a quarter about some way old Wells Fargo checking account. But they've never tried to put it on my reports; if they do, I'm sure I can make it cost them more than the paper could ever be worth.

 

 

[BananaTheDog]

This is how I handled RJM a half year ago... A GOOD LAUGH HERE

Edited March 24, 2012 by BananaTheDog

[trubliever82]

I had clean reports up til about a month ago and RJM popped up from fees from a checking account with key bank from 2008. I DV and they send me copies of bank statements. Anyone have any luck getting a pay for deletion?

[JunkBuyersWorstNightmare]

I had clean reports up til about a month ago and RJM popped up from fees from a checking account with key bank from 2008. I DV and they send me copies of bank statements. Anyone have any luck getting a pay for deletion?

 

 

That may well be beyond SOL for your state.

[nutcase]

UPDATE : I just got them off my experian report I jack attacked it after they did not respond to my dv. they where never on my equifax. now I have to get them off my trans union. any suggestions? also anything to worry about them poping back up on experian.... thanks again all you guys for your continued help.

[raymond721]

Last year around this same time,before I even found useful info on this board,I called them up and asked for a PFD...they agreed and it was off my report next cycle

[Analysis]

UPDATE : I just got them off my experian report I jack attacked it after they did not respond to my dv. they where never on my equifax. now I have to get them off my trans union. any suggestions? also anything to worry about them poping back up on experian.... thanks again all you guys for your continued help.

 

Suggestions? Same as I've posted above: Send a DV letter.

[BananaTheDog]

UPDATE : I just got them off my experian report I jack attacked it after they did not respond to my dv. they where never on my equifax. now I have to get them off my trans union. any suggestions? also anything to worry about them poping back up on experian.... thanks again all you guys for your continued help.

 

Suggestions? Same as I've posted above: Send a DV letter.

 

Most people send the same letter to all three CRA's, in your case it should have gone to TU and EX.

[Sandscrit]

Last year around this same time,before I even found useful info on this board,I called them up and asked for a PFD...they agreed and it was off my report next cycle

You got an oral agreement or in writing?

[raymond721]

No being dumb and uneducated I called and ask for a pfd,I paid over the phone,they then sent me a notice stating that it would be removed from all 3 cra

[jmf8756]

To those who got responses from RJM after DV, how long did it take them to respond? Either with validation or a delete? I sent a DV about 3 weeks ago and got the green card back soon after. It's still on the credit reports and I've gotten no response from them.

[CreditDespair]

hi guys I appreciate all the help you guys have given. I have a totally clean report, but now on my ex and tu I have rjm acq. showing $173 owed to bank of america checking now I do not know about this account I did not have a BOA account in 7-8 years. so I right away disputed the collection account online(I know I should have done it via usps) with experian and trans union and they verified it within 24 hours on experian they changed the date that it will report till 03/2014 and on tu they responded 3 days later updating to 05/2014. so I sent out a dv letter crrr via usps a week ago. what is my next step with them? all help would be much appreciated

 

RJM is very very flexible with PFD's. I did a PFD with them for less than half of the balance owed...this is obviously after you have sent them a DV and received validation.