NCO moved collections over to MedClear after I sent a PFD le

Submitted by agjohnson1968 on Thu, 04/08/2010 - 20:14
Forums
Credit repair

I sent a PFD letter to NCO on two outstanding small medical bills and they transferred those over to Medclear which they own (same address and everything) but now it's shown up on my credit report again. It's still within the 15 days I told them I would wait for them to consider the PFD offer but don't know if i should wait until the expiration of that period or now go and resubmit the PFD letters to MedClear.

Aaron

Hi johnson,

Can you give more details on the debt? Did you send the letter through certified mail, and did they send you an "Pay for delete" (PFD) agreement letter? If you have all these proofs then you can use these to dispute the debt sent over to collections. Moreover, was the PFD sent along with settlement agreement or the payment? If you have the proof of your payment, you can use that too along with the proof of PFD to remove the collections from your credit report.

Thanks,

Aaron

Fri, 04/09/2010 - 06:07 Permalink
agjohnson1968

I sent them a PFD letter asking them to agree to delete the record from my credit record provided i paid it in full via cashiers check. I asked them to accept this offer in writing and i sent my letter to them via certified mail. To date I have not received any communication back from them. I just got the return receipt back a couple of days ago so i know that they got it and it looks like as soon as they received the PFD proposal they kicked the debt over to Medclear instead of keeping it at NCO. They received the PFD proposal letter on April 1. On April 5 my credit jumped up 12 points for some reason (i'm assuming that NCO dropped their listing at that point) and then my score dropped 39 points on April 8 as Medclear started reporting the debt that was referenced in the PFD proposal i sent.

Curious what to do at this point. I gave NCO 15 days to respond to my PFD proposal (still have 6 more days until that expires) but they obviously don't have the debt anymore. What I have learned is that a few wrong moves can screw this up so I wanted to post this to the community before I turned around and sent off a PFD proposal to Medclear.

Fri, 04/09/2010 - 11:09 Permalink
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