There ARE good people working in collections

Mar 072011
 

Just a quick note to share the positive experience I had today.

 

I had a small University loan ($1,000) that was showing up on my credit report as a collection. I knew that it had been consolidated with my other student loans (federal student loans) two years PRIOR to the date they were showing it was sent to collections. I have tried repeatedly to get this taken care of, to no avail.

 

I recently stumbled across the National Student Loan Data System online (http://www.nslds.ed.gov/nslds_SA/) and my report page on this University loan showed clearly when it had been consolidated, etc. It showed every tiny little thing about that loan.

 

So I sent that report to the University collections office and let them know it was showing up as a collection on two of my credit reports, even though it was rolled into my other loans two years prior to their claim that they had to send it to collections.

 

I was very happy to get a FAST response back from them, saying: “What I will do is delete this loan (PER24A) from your credit report.  The first delinquency was more than 7 years ago therefore should not be on your credit report anyway.  All credit reporting agencies will be notified via Automated Universal Data form. I will send you a verification form stating that the deletion has been requested.  Would you like this verification by email or snail mail?”

 

This really made my day. She was efficient, respectful and knowlegeable. I wish every lender/CA was this good to deal with.

 

[Edited to add: The form says that all FOUR CRAs will be notified, including Innovis. I've never even heard of them.]

Midland Credit Management SUCCESS (HOPEFULLY- Seeking Counsel to a few questions)

Feb 112011
 

Greetings Fico Community-

 

I  think I may have had success with an e-mail GW letter to  Midland (PAID COLLECTION) by contacting the CEO of their parent company!!!!! Thanks to months of snooping around the FICO forums!1:smileyhappy: (THANKS!!)

 

 

**Please PM me for the e-mail contact**
 
  

His reply was short and simple but I imagine that the “compliance department’ would be the one whom handle deletions from the CRAs.??

 

 

Below is his reply in a cut and paste:

 

 

Mr. F********,

 

I will forward to our Compliance team.  I expect they will respond tomorrow.  If you don’t hear from them, let me know.

 

Best Regards,

(Name Removed for Security)

 

 

I originally contacted them in June 2010 (with no response) regarding an old PAID collection which was still reporting as 9 baddies (Judgements and Collections!!!) b/w all the CRAs.. When I received no reply, I recently re-fowarded the e-mail and asked politely for the contact to advise.

 

I have also pestered Midland with numerous phone calls within the last few months. Getting shotdown with the typical ‘we don’t do deletions for paid or setteled accounts.. BLAH BLAH BLAH.

 

Keeping my fingers crossed for a deletion with my GW response!!!*********:smileytongue:

 

Questions posted below:

 

 

 

  • Will  re-post with the results, have  any of you ahad a similar experience with Midland and their compliance department?
  • Does this mean I will receive the deletion request due to an actual response and the referral to compliance?
  • Will My FICO see a jump from having these baddies deleted? (I have read mixed results from having CA info removed)
  • Once the deletion is granted, how long will it take to hit my ScoreWatch Product and see the results on My FICO score?

 

Someone please advise on whether this has the makings of success!!.

 

Regards,

 

mrfulloluv

 

 

Help with Midland

Feb 032011
 

I have a 3+year old Paid Collection with MCM that is showing as an Open Account that’s  120+ days late.  It s NOT in the Collections section  It has them as an OC and  only shows as a PAID collection in the comments section of the TL.  I sent an e-mail to the big-wigs at Encore Capital Group requesting the entry to be corrected at the least or in the interest of good will, deleted completely and got an e-mail back saying that they don’t discuss such things via e-mail, but they gave me a direct phone number to the “Customer Relations Manager” and advised to call tomorrow.

 

I know some of you have gotten the e-mail, spoken with MCM and gotten info deleted, but how did it go?  Did they lead the conversation, do you have to request the deletion and convince them to do it?    I’m thinking that I may have a bit of leverage because they’re reporting incorrectly, but this may be my only shot and I don’t want to blow it.

 

Thanks in advance.

Charge Off to be deleted

Jan 182011
 

Hello,

 

I’m working on cleaning up my credit and doing well.  I do have a cc charge-off expected to expire off all credit reports by April.  My question is, “will this deletion, which we all know is a major one, boost my credit score once it is removed?”  If yes, any idea how many points? If not, why?

 

Thanks in advance

CapitalOne "disappeared"…lucky? Or upcoming lawsuit?

Dec 292010
 

Hi, I’m new here (as a poster).  However, I have been reading the myFico forums probably a little over a year now to see how to improve my credit.  It is has been rather helpful so far I have managed to get several things removed from my credit.

Ok, here’s my situation (not sure if it’s good or bad – @ first thought I was under the impression it was great but after reading how low down CapitalOne can be I’m not so sure)…so here goes:

I checked all 3 of my CR’s @ the beginning of the year just to see where I stand, dispute charges online,  and start putting DV & PFD letters together.  When I checked my CR’s @ the beginning of the year CapitalOne was on there listed as a Charge Off and is not supposed to be deleted for another 3 years (amt over $1000). So, I checked my CR’s about a month ago and CapitalOne is completely GONE! It is no longer listed on any of my CR’s.  I have not contacted them in any shape, form, or fashion nor have I made any settlements or talked to them. 

So, I am a little confused as to what is going on.  I searched high and low not only on this forum but other “credit boards” as well, and did numerous google searches to see if anyone else has experienced CapitalOne just “disappearing” off their credit report before the deletion date without making any payments, settlements, or talking to them. 

I’m trying to figure out how CapitalOne just disappeared like that.  Should I count this as a blessing or be worried of an upcoming lawsuit? I have been worried that CapitalOne has turned my account over to their attorneys and they are going to hit me with a lawsuit sooner or later. 

 

Anybody else experienced this or have knowledge of this type of situation?

Where to begin…? HELP!

Dec 202010
 

Hello Everyone!

 

I need a little help.  I filed BK in 10/10 – now I would like to try to get some of the accounts deleted.  I want to PFD and GW them and see if the companies will cooperate.  

 

One question I have – if both the CA and the OC are reporting – who should I go to first to ask for the deletion/PFD?  If one agrees to delete  -what do I do with the other one?

 

Thanks!  

 

 

First GW letter response – FAIL

Nov 042010
 

I sent out my first GW letter to Chase CC requesting the deletion of my 30-day late from Feb 09.  Got a very nice, personalized response that basically said they would affect the integrity of credit-reporting if they deleted it.    I know to just turn around and send another one out (I’m not giving up) but I still feel bad :smileysad:

 

 

How to go about this almost successful GW attempt

Oct 042010
 

I GW’ed a CA for an old cable bill that was paid in full. I received a positive response and a letter of deletion on July 29th. 

 

The collection is still on my reports, so I emailed the same person at the CA and just got this response.

 

“Hi ME:-), 

I processed this deletion electronically.  I will go into E-Oscar (a 
database that is directly linked to each credit bureau) and do a hard 
delete.  It would also be beneficial to you to contact each credit bureau 
and disputing the debt and attaching the letter I have sent to you. 

The hard delete should erase the trade line in less than 3 days. 
“

 

 

What is the best way to contact and dispute with each Collection Agency with this letter I have?

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