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 Offer of Settlement to Verizon
Posted Tue April 21, 2009 12:00 pm, by Kurtis C. written to Verizon Wireless (Cell Phones)
Write a Letter to this Company | Rate this Company
Re: Account
Amount: $216.00
To Whom It May Concern:
The account number I have is the one listed on my Equifax credit report – which omits the last few digits.
In the spirit of compromise, I am willing to pay this account IN FULL (or settlement percentage) if you agree to immediate deletion of this account from any and all credit reporting agencies (Equifax, Experian and TransUnion). The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form.
If you agree to the terms and accept this agreement, certified funds for the settlement amount of two-hundred sixteen dollars ($216.00) will be sent to Collection Agency in exchange for full deletion of ALL references regarding this account from my credit files and full satisfaction of the debt. As certified funds will be used for payment, there shall be no waiting period regarding the deletion of this account from the credit reporting agencies.
Collection Agency agrees to delete ALL information regarding this account from the credit reporting agencies WITHIN TEN CALENDAR (10) DAYS following receipt of payment as specified above and will not discuss the terms of this settlement with anyone, excluding your client on this account. If contacted by any third party, including credit-reporting agencies, Collection Agency will not acknowledge that any settlement offer was made, accepted or executed and will, in fact, deny knowledge of any such account.
If you agree to the above terms, please prepare a letter on your company letterhead explicitly agreeing to the same terms as the above settlement offer and have it signed by an authorized representative of Collection Agency. It will be implied that this letter shall constitute a legally binding contract, enforceable under the laws of my state.
Your response must be postmarked no later than 15 days from your receipt of this settlement offer or this offer will be withdrawn and I will request full validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act.
Please address all correspondence regarding this account to:
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by PepperElf Posted Thu April 23, 2009 @ 8:55 AM
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I am thinking if it really is something in error you would be
contacting them already to find out where it came from, and then
contacting the company who issued the original bill
.... not offering them payment for it.
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Because
by April S. Fri April 24, 2009 @ 8:43 PM
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by Final Score: Boys-3, Girls-1 Posted Wed April 22, 2009 @ 11:23 PM
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If this bad mark on your credit is not through Verizon directly, but
through "AFNI" on behalf of Verizon, please google "AFNI Complaints".
This company uses old debts from telecommunications providers to
atempt to scam people out of money.
Not sure if this is the case for you, but wanted to warn you. I ended
up clearing such a case up for myself, but only after contacting the
FCC, BBB and Attorney Generals in both my own state and IL (where AFNI
is based out of).
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by Adam W. Posted Tue April 21, 2009 @ 9:27 PM
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This letter never says anything like that. It is estimated that 40%
of Americans have some incorrect information on their credit report.
For all we know this isn't his account. I have had mystery accounts
show up on my credit report in the past. It's not always a case of ID
theft. Sometimes they just make mistakes.
If the OP is applying for a mortgage it may be easier for the OP to
just pay the amount than fight to have the incorrect entry removed.
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Well.... it's worth a try I suppose!
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So how do you think doing what you should have done in the first place
warrants special consideration? You should pay what you owe, and the
derogatory marks should remain.
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by Donno Posted Tue April 21, 2009 @ 3:45 PM
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This *is* a liability and a debt that you owe. How can it be
construed otherwise? This item will be properly reflected on your
credit report for at least a few years.
For only $216, it would be to your advantage to pay your debt and
start the clock. Otherwise it is just going to hurt you more.
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by Lisa H. Posted Tue April 21, 2009 @ 2:56 PM
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Hum, your compromise is to pay what you owe, and they will remove
truthful information from your credit report? And they will do this
why?
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by Kitty_Cat Posted Tue April 21, 2009 @ 9:17 AM
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Sorry, you owe the debt no matter what. I doubt they're gonna take the
deal. Man up, pay it off and don't do it again.
And what's with all these people who want derogatory but correct stuff
removed from their credit report. That's the whole point.
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You sure make alot of demands for a "Spirit of compromise"
I dont think you are in the position to make those statements and they
dont have to listen to anything you say. You signed up for debt, you
should have paid it on time since you chose it, otherwise they ding
your credit.
You should accept responsibility, pay the full amount, accept the
consequences, and move on.
Good Day
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