Received a confusing reply to a DV letter....

[Help]

I recently did the 1-2 punch process. Today marks day 30 since i sent out the DV letters. i had a letter from Equifax saying one of the items was deleted, and today i received this letter from NCO FIN

"Dear xxxx

Thank you for your recent inquiry regarding the above referenced accounts. Please be advised that we have contacted the creditors with a request for validation of the above-referenced accounts. We will forward any materials we receive as a result of our request to your attention for your review and consideration.

In addition, please be advised that we have contacted the credit bureaus, with which we do business, with our request to delete our listing of the above-referenced accounts for the social security number we have listed in our records. NCO FIN cannot effect a change to how any other company or entity may have listed the accounts on your credit profile."


Does this mean they are conceding defeat basically. Or could it be that they are enticing me to pay by removing the items from my credit report?

please advise.

THANKS

[30daylate]

It sounds like you got them to admit that they had nothing on you. The second paragraph just means that you need to follow up with the credit bureau.

[Lian]

As I read it, they are saying that they have instructed the CRAs to delete their collection reporting, but that they cant instruct the CRA to delete any reporting done by the original creditor on their account. It appears to be a deletion letter, and a correct advisement not to also expect any deletion of any reporting done by the OC.

I see no reason to follow anything up with the CRAs. If the CRA gets a deletion request from the debt collector,they will delete. If they don't, they wont.

[30daylate]

I disagree with one point above. If the creditor forgets to send the updated information to the credit bureaus you can still send a letter to the bureaus yourself and have then ask the creditors if what you are saying is true as a way to remind the creditors to follow through with updating your credit report.

[Help]

Hi guys.

It looks like it had been removed at one point, but i got a letter from transunions credit watch program that said it had gone back on. Is this legal? If so, is it easy to get it back off since they had already agreed to remove it?

Once something is removed off a report are the CA's allowed to put it right back on the report?