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STARtingnew2014

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  1. Thanks. I'm just reading this. I actually called the utility company directly today and they waived the excess fees after the move out date that I gave them, stating that it was no big deal but that I did however have a small remaining balance from Aug-Sept before I moved. So I said that I would pay that and asked would they mind deleting it from my reports. The rep stated that it should not be a problem deleting it, that they would notify the CA of the payment and it should be deleted on their end. I asked if I could call back to make the payment so that I can get some advice here, before proceeding. Comments appreciated. The OC is not reporting btw, just the CA. make sure the OC recalls the account from the CA. then the CA Can no longer report it is in collections Okay thanks, so is that the request I should make when I call and make the payment, that they recall the account from the CA? If this is what I am to do, what way can I be certain that this will be done once I pay? Should I also request that they send me a letter first that states this is what they will do? Thanks so much for your input. Thanks. I'm just reading this. I actually called the utility company directly today and they waived the excess fees after the move out date that I gave them, stating that it was no big deal but that I did however have a small remaining balance from Aug-Sept before I moved. So I said that I would pay that and asked would they mind deleting it from my reports. The rep stated that it should not be a problem deleting it, that they would notify the CA of the payment and it should be deleted on their end. I asked if I could call back to make the payment so that I can get some advice here, before proceeding. Comments appreciated. The OC is not reporting btw, just the CA. make sure the OC recalls the account from the CA. then the CA Can no longer report it is in collections Okay thanks, so is that the request I should make when I call and make the payment, that they recall the account from the CA? If this is what I am to do, what way can I be certain that this will be done once I pay? Should I also request that they send me a letter first that states this is what they will do? Thanks so much for your input. I just don't want to be left out there and make a payment that will only report as "paid in full".
  2. Hi. I'm not understanding. I did send DV and it was unsuccessful. They sent me my entire billing statements for the duration of the acct.
  3. Thanks. I'm just reading this. I actually called the utility company directly today and they waived the excess fees after the move out date that I gave them, stating that it was no big deal but that I did however have a small remaining balance from Aug-Sept before I moved. So I said that I would pay that and asked would they mind deleting it from my reports. The rep stated that it should not be a problem deleting it, that they would notify the CA of the payment and it should be deleted on their end. I asked if I could call back to make the payment so that I can get some advice here, before proceeding. Comments appreciated. The OC is not reporting btw, just the CA.
  4. he's talking about analyzing the account on your paper credit reports. but you don't need to even waste any time with that. follow my letter thread and pay the OC. Great, thank you!
  5. Hi Back in October of 2017 I sent a DV to Midland Funding for a Walmart Account that was charged off. The deletion process was unsuccessful. So I was wondering if I should just send a PFD, and if so to whom, the OC or the CA? This divorce clean-up and recovery process is definitely a process... Thanks!
  6. Hi Update: The OC responded with a letter after they cashed the check stating that the Credit Bureaus would be updated as paid. They did not delete.
  7. I am not expert, so take with a big grain of salt. Number one I would go over EVERYTHING with a fine toothed comb, to make sure everything is accurate. Account numbers, dates, address, etc. Then if you havent admitted to owing it in anyway, I would ask how they verified Lastly I would get with the OC and PFD with a retract from the CA. Big grain of salt but thats my first impression on what to do. Thanks for the reply. That's the thing. They didn't send me a detailed response as requested, just a letter stating "Date of Service 10/12/15". Therefore I don't have much to compare.
  8. So am I really obligated to pay this? I wonder if I should request a PFD, since this is really not my debt.
  9. Hi Background: There is an entry on my TU report from a CA for a utility bill at a former residence that I moved out by 9/2/15. My lease was up on 9/3/15. The utility company billed me for service date of 10/12/15. First attempt was a DV to the CA and TU. That did not work. The results came back "verified". Initially I thought, this would be no big deal to fix, so I decided to send them my lease, an email between me and the leasing office confirming my move out, and even my U-Haul contract that had the date of my move out. Nope! That did not work. The CA responded: We have completed your request to investigate a dispute of the above referenced account. As part of that investigation we confirmed that your balance above remains the same and that you owe the current balance above. We have updated your credit report to indicate as follows: The account was previously in dispute, now resolved. Collection efforts may continue. Also, I just checked an updated copy of my TU report and it is still reporting. Now it reports as: Remarks: DISP INVG COMP-RPT BY GRNTR; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 07/2021 So at this point, I am completely out of ammo. How can they bill me for an entire month that I was clearly no longer living there? What else do I need to do to prove that I am not responsible for this bill? Thanks for your feedback.
  10. Hi I was just checking my credit letter log and realized that I have not heard from the OC nor either of the reporting CRAs to my DV letter received on 10/20/2017. What should I do now? Thanks
  11. Hi I was just checking my credit letter log and realized that I have not heard from the OC nor either of the reporting CRAs to my DV letter received on 10/20/2017. What should I do now? Thanks
  12. Thanks for the info. I now have a zero repayment until I begin working again. My main concern is the growing interest.
  13. CV to be honest I forgot about most of these things. IIRC I attempted this 623 thing many times and the OCs basically just ignored my requests. I m glad to be out of disputing businessIIRC the OC is not required to respond if they view the dispute as frivelous.That is very true, however, OP stated that they never responded. ^ Let me clarify, before that goes off the rails. They are not required to respond as in correcting anything, having anything deleted, etc. They are required to respond that they found the disputed frivolous. What this says to me is: Thank you. This gives me something to work with.

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