Credit Score Could Go Up In Flames! Help!

Mar 082011
 

Okay!  For the past three years I have been working on getting my credit score from the low 500′s to the low 700′s.  Today, I went to my mail box and got a letter from “afni” stating they are attempting to collect a debt for AT&T.

 

I have not had an account with AT&T for over 8 years.  So, I am not sure where this is coming from.  The letter tells me to do the following if I dispute this debt: 

“To notify them within 30 days after receiving this notice that I dispute the validity of the debt or any portion thereof.  It goes on to say if I notify their office in writing within 30 days that I dispute the debt they will obtain verification of the debt or obtain a copy of a judgment and mail me a copy of such judgment or verification., they will also provide me with the name and address of the original creditor.

 

I do not want the work of the last three years to send my credit score up in flames.

 

Stop the flames 

Need some ADVICE plz..

Nov 122010
 

Back in September I sent a DV letter to Paragon Way and they responded(9-28-10) with a letter that they needed some time.  Well I get a letter today from a new Collection agenccy Constar Financial Services LLC representing Paragon Way INC.  Constar even pulled my credit cause I saw it on my credit montoring.  The OC was Ge Money Bank/ Cheveron Texico card that I went late in 2008.  Remember Paragon did not provide debt validation and its going on 60 days.  This is what the letter from this new collection agency Constar out of Phoenix, AZ:

 

Current creditor: Precision Recovery Analytics

Acct #:xxxx

Orginal creditor: GE Money BAnk

acct# xxxx

prinicpal:1363.42

total due: 1363.42

 

Our client Paragon Way inc has placed your acct in with this agency for collection.

Your acct is seriously past due and must be paid in full or we will proceed with appropriate collection activity. Plz remit the entire balance due to our office using the returned envelope provided.  If you have any questions or wish to discuss your acct with one of our representatives plz call us at the toll free number listed below.

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion there of this office will assume this debt is valid.  If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of the debt or any portion there of, this office will obtain verification of the debt or obtain a copy of a judgement and mail you a copy of such judgement or verification. If you request in writing within 30 days after receiving this notice this office will provide you the name and address of the OC, if different from the current creditor.  If payment is received in our office all collection activity will cease.

 

 

 

Thats what it says..What do you recommend?  How can Paragon have another collection agency try to collect when they didnt respond to the DV letter with proof?  Plz help and thank you in advance…