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Showing results for tags 'cavalry'.
Found 5 results
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The lone collection I am fighting is with Cavalry, for an old GECRB/Old Navy account. I sent a goodwill letter to GECRB in June, explaining the terrible financial hardship I experienced in 2009, and begging that they simply delete the trade-line. Of course, as they charged-off the $200 or so dollars, I did not expect them to be too generous with their goodwill, but at the cost of a stamp, worth a shot. Especially since I had paid a GECRB/HHGregg from the same time in full. So while they were not made whole, they got most of the money they were owed, maybe 90%. Today, I received a letter that they were unable to locate my account based on the information I provided (name, address, partial acct# from credit report). They are asking for: Name on account, phone, current and previous addresses, DOB, last 4 of SS#, details on what I would like amended. I would love to provide this and maybe get some goodwill. But at the same time, Cavalry has failed to verify, and I do not know if the OC and the CA share info. Do you think this is a legitimate attempt to locate my account information to be able to at least consider some goodwill, meaning I am just being very paranoid, or would providing all this information be providing written documentation of what I owe and what Cavalry has been unable to verify?
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Is there any difference between an OPEN COLLECTION and a CLOSED COLLECTION? As noted in other posts, have been fighting Cavalry over a collection. On Equifax, the status changed from open to closed, but all the other same information remains. No apparent change in FICO, so wondering if changing it to closed helps them from a dispute standpoint, or why they would have changed it. Any ideas?
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So as discussed in a previous post, a mysterious collection account with Cavalry Portfolio Services popped up on credit report a few weeks ago. I sent a DV, CMRRR this week. I was online checking the status on the USPS website, and it says this: Your item was returned to the sender at 8:25 am on June 19, 2013 in HAWTHORNE, NY 10532 because the forwarding order for this address is no longer valid. So now what do I do? This is the address which shows on the credit reports from Equifax and Experian. The collection is not on Trans Union. How do I contact them to try to get this resolved or removed? I am certainly NOT contacting them by phone. Do they not have to have some sort of legal mailing address on file with the credit bureaus where I can contact them?
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So, as some of you may know from previous posts, had a collection account pop up a month or so ago. It was nothing I recognized, and nothing that showed on credit report. I disputed it with Equifax. Well guess what? Got those results today: >>> We have researched the collection account. Account # - 16391109 The results are: If you have additional questions about this item please contact: If you have additional questions about this item please contact: If you have additional questions about this item please contact: If you have additional questions about this item please contact: If you have additional questions about this item please contact: Cavalry Portfolio Services, 7 Skyline Dr Ste 3, Hawthorne NY 10532-2162 So apparently the Equifax solution to my dispute (whether on their own of with the assistance of Cavalry) is to respond to my dispute with the contact information for the collection agency? As I am fairly new at this, perhaps someone can shed some light on this. Does Equifax not have to verify the account with the OC, CA, or JDB when I dispute it? Is what they did enough? Is providing the same message 5 times over, along with an address I already had, considered an acceptable response from the JDB to the dispute? Am I correct that I am within my rights to require Equifax to clarify that the account was verified, who verified it, the manner of verification, etc? Thanks!
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My GF received a letter today from Cavalry Portfolio Services regarding an old Old Navy account they purchased from GECRB. Or maybe they purchased it from someone else, but GECRB was OC. The collection also hit her most recent EQ and EX reports, but not TU. The letter was sent to an old address (we still own the home, just no longer live there) and was addressed to her married name (divorced several years). The letter states that due to the age of the debt, they will not sue. I think Ohio (where she lived at the time) has a long SOL on debts, but this is 5 years old or more, hard to tell as account itself is no longer on credit reports. Both her scores fell 40 points when this hit the files. I want to make sure we do exactly the right thing, as neither of us has much experience with this type of issue. Appreciate the help!
