Hoodwinked Uk

1 view

Skip to first unread message

Kylee Mccandrew

unread,

Aug 3, 2024, 10:05:45 AM8/3/24

to rountoserband

I've been rebuilding the past few years and all of the baddies have fallen off of my reports, with the exception of IC System. I called them and offered a PFD. I was told that once the payment is made, they'll send a letter to the CRAs and have it removed. This fell in line with what I read on the forums here with others in the same situation. I finally got the email from IC with the letter that it has been paid. The verbiage is a little funky though. I posted a screenshot of it here. I'm thinking that I may have been hoodwinked. What say you? Thanks!Letter received from IC

CACH also did this to me. They told me over phone that they would PFD but wouldnt send me anything via mail or fax. Week later I got a letter saying account is now Paid in full for full balance ( i paid them a lot less than what i owed ) and it would be reported soon. 1 week later I got another letter saying that both of my CACH accounts have been deleted.

Normally i wouldnt take collectors at their word but they offered me such a good settlement even if they didnt PFD, i still would have paid them. In short, i paid them about 40% what i owed and they still PFD. Every now and then we ( the consumers ) get lucky

To make a wide reaching generalization, I've had way better luck with CAs deleting with or without promises than JDBs deleting ever. This is why I don't negotiate with JDBs by phone at all. Some CAs were a pleasure to deal with over the phone, were happy to put promises in writing, and followed through extra quickly. But JDBs in general seem to just be vultures -- I can't name one JDB that was ever a pleasure to deal with.

I still get calls from a JDB over a debt that I will immediately sue over if it gets reported. I've told them as such and even warned them to not make me angry (they haven't reported, yet). I haven't C&D'd their calls because it's always fun to put them on hold with Rick Astley tunes every 60 seconds or so, but at some point I'll have to tell them to shove their 2 cents on the dollar debt somewhere unpleasant.

Let,s hope that they do the right thing and remove from report. Along with the information from the forum that you did read, it looks like you forgot to read about getting a letter from the company with "Deleting/Removing from Bureaus". At this point, all they may do is state that it is "Paid in Full" with a linguring date to follow the seven years before removal

Thank you. When I reached out to them I asked for it in writing and was told that they don't do that, but that the phone call is recorded. I'm patiently waiting to get an alert that my report has chaged lol. I'll definitely report back what happens. Thanks!

All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.

For all of us who, thanks to these whistle-blowers, now realize that we have been hoodwinked and want to understand exactly how, national security analyst John Prados has compiled and annotated the key source documents behind the selling of the Iraq war to the American public. As these CIA reports, Pentagon briefings, and other materials clearly show, Bush and his spokespeople were playing a crude game of three-card monte, claiming Iraqi ties to Al Qaeda, weapons of mass destruction, and imminent threats, which are here exposed as half-truths, exaggerations, and outright fabrications of a warmongering administration.

John Prados is a senior fellow of the National Security Archive, where he directs the CIA Documentation Project and the Vietnam Documentation Project and helps in other areas. He writes books on aspects of intelligence, diplomatic,...