 the 2 utilities bills
There are 2 utility debts:
1) one for $249. I did the validation or verification letter (whichever it is) to the CA and they have about 6 days left... so I'm hoping that in a week or so I can figure out what to do in regards to my dispute not being answered.
2) one for $99. This is NOT with a CA. It's with the OC (I guess that means Original Creditor?) I asked for validation. They immediately replied with proof. Before I learned what a PFD was (oh, it's not a lifejacket?) I basically did what a PFD does... I'll post my letter on here tomorrow. Since I didn't know any better I think I made a mistake... I didn't include a check. I basically asked for a PFD at 100% payment but didn't put the candy in their face. I haven't heard back and its been about 10 days. I think I might try it again with a version of your letter and include the candy this time. They are beyond their SoL so my fear is that they don't do a damn thing because they don't want to go through the trouble of editing the credit report for a measely $100. Although they still report it every month like clockwork.
I'm actually kind of starting to enjoy this stuff... odd, I know. Chasing them is kind of fun.
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