Pay For Delete letters

[jjgross]

Originally Posted by jlyriq

its only $50 and i think it is still within the SOL....this is what it says:

it was a medical bill

Account Name: PREMIUM ASSET RECOVERY
Account Number: 0107063XXXX
Acct Type: Unknown - Credit Extension, Review, Or Collection
Acct Status: Closed
Monthly Payment:
Date Open: 2/1/2007
Balance: $50.00
Terms: 1 Month
High Balance:
Limit:
Past Due: $50.00
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

Dispute it on the grounds of incorrect reporting.
1. Terms one month!You have no terms with them in order to have terms you have to have a contract with them.

[Trish]

Dude....screw them. lol That was stupid on their part. There are a couple of things you can do:

You can screw with the CA a bit if you want........send them a letter threatening complaints and violations if they continue reporting the TL. There cannot be "terms" or a "past due" amount when you've never had a contract or payment agreement with them. So you could let them know that you are aware of their violations and wish to settle this amicably. Each violation is worth 1k.

OR since it's a medical bill go the HIPAA route.......then they don't get a penny (your money will go to the healthcare provider) and it still gets deleted. This process takes a little longer but it does work.

[jlyriq]

lol. what letter would i send them?

[Trish]

Originally Posted by jlyriq

lol. what letter would i send them?

You mean to send to the CA or the HIPAA letters?

[jlyriq]

The letter to send to the CA

[Trish]

Hey jlyrig,
There's really not a sample letter for something like this. Have you ever DV'd them? or did you just do a PFD?

[jlyriq]

No I didn't send them a DV I just tried to do a PFD since it wasn't that much money

[Christie_1981]

I have the same thing on my report, a medical collections account with a 1 month "term." I haven't sent anything yet, should I do a PFD or dispute letter?

Account Name NCO-MEDCLR
Account Type Unknown - Credit Extension, Review, Or Collection Balance $301.00
Date Opened 2/1/2008
Account Status Closed
Mo. Payment
Past Due $301.00
Payment Status Seriously past due date / assigned to attorney, collection
agency, or credit grantor's internal collection department
High Balance
Limit
Terms 1 Month
Comments

But it is just listed this way with Experian. The other 2 don't show terms.

[jjgross]

Originally Posted by Christie_1981

I have the same thing on my report, a medical collections account with a 1 month "term." I haven't sent anything yet, should I do a PFD or dispute letter?

Account Name NCO-MEDCLR
Account Type Unknown - Credit Extension, Review, Or Collection Balance $301.00
Date Opened 2/1/2008
Account Status Closed
Mo. Payment
Past Due $301.00
Payment Status Seriously past due date / assigned to attorney, collection
agency, or credit grantor's internal collection department
High Balance
Limit
Terms 1 Month
Comments

But it is just listed this way with Experian. The other 2 don't show terms.

The terms are incorrect you have no contract with the agency,I believe that the past due is incorrect not sure on that,maybe Trish can chime in on this.If its the creditors internal collection then it can report past due.

[Trish]

Yeppers! jj is right.
A collection acct can't be "past due" or "seriously past due"........or have terms unless you've set up some sort of agreement or payment arrangement with them.