Question on Disputed Collection Account

Mar 052011
 

I had an unexpected collection account appear on my credit report.  Yes it was something I owed. I contacted the CA asked for a paid in full for removal, they stated they do not do that.  They also stated that if I dispute the item by saying “paid in full prior to collection”, that they wouldn’t respond to the inquiry from the credit bureaus.  I disputed all three TU, EQ, and EX.  So far I have received deletions from TU and EX, but nothing from Equifax.  Does it take Equifax longer.  When I pulled my credit Equifax is showing that its a collection account with a zero balance, but not removed.  It has NOT been 30 days yet, so am I jumping the gun.

 

Any help is appreciated.

 

Thanks.

 

So far my scores went from TU 570, EQ 541 to 3/4/11 TU 708 and EQ 633.

Fake Judgment

Jan 132011
 

The other day I received an alert from the credit monitoring system, that showed a civil judgment reporting by Recovery Partners LLC.  So I went down to the court house and they had no records of judgments or pending judgments on me.  So I went to the other 2 surrounding district courts and they said the same thing.  How should I proceed?

Double dipping!

Dec 172010
 

My friend’s credit report shows 24 negatives.  Upon close scrutiny, we discovered that Emporia Credit Services Inc. and Hudson Law Offices have the same address, are both reporting the same two debts (duplicates), both are reporting the exact same information to include DOFD & assignment date.

 

This is a FCRA violation, yes?

 

What would be the best way to address the company?  The goal is to have them delete all 4 entries from the credit report.

 

More information on the debt - 

Creditor name – Augusta Health Care

Amount owed – $1,115

DOFD – 09/2004

Date assigned to CA – 05/2006

Date last updated to CR – 11/2008

 

Creditor name – Augusta Health Care

Amount owed – $202

DOFD – 09/2004

Date assigned to CA – 03/2006

Date last updated to CR – 11/2008

 

She also has one more debt on the CR listed once under Emporia.

 

Creditor name – Augusta Health Care

Amount owed – $29 (original debt), $1410 (what they reported this month to CA that they want now!)

DOFD – 08/2004

Date assigned to CA – 09/2004

Date last updated to CR – 12/2010

 

No, she does not have the money to pay them.  The earliest she could start making payments would be 02/2011.

 

1)  Should she approach them for deletion of the duplicate files?

2)  Should she leave it alone?  It should delete from her credit report in either Sept or Oct 2011.

3) VA state SOL is 6 years I believe.

 

Thanks for the input!  Hearing advice from others will help her make a decision on what to do.   She will eventually pay them, but doesn’t want to invite trouble if it’s not needed.  :)

Cancellation of debt – still owe?

Oct 222010
 

Thank you in advance for taking time to read my post. I am new to the rebuilding my credit thing.

 

In Sept of 2006, I switched jobs because my jobs was ‘departmentalized’  and had no other choice. In changing, my direct deposit which also paid my car payment, was no longer directly deposited from the new employer. My bi-weekly payments had to be paid in another town and with my new work schedule, I couldn’t get to the bank on time. So between that and the waiting two weeks for my first check, and of course my ex’s child support being irradic, I missed two payments (bi-weekly, not monthly). They sent me a late payment for $386. As soon as I had the money in my account, I called on Friday and left a message for my loan officer who had already left for the day,  that I would be down on Monday to pay in full. I woke up Saturday morning and my car was GONE. Repo’d. Not even 6 weeks since my last payment… for less than $400 … they took an almost brand new car.

 

The credit union would not let me refinance because I had a new job and being a single mom with no one that could co-sign for me. Well they sold the car at auction, and the balance due was $3899. I canunderstand why that would appear on my credit report as though I owed them they remainder. In January of this year, they sent me a cancellation of debt, for that entire amount and I had to claim it as income. Now if my debt was “cancelled” and I claimed as income, as though it were a gift to me from the credit union… why does it still say that I still owe them the money? It appears on Transunion within my credit utilization area with my other installment loans (student loans and a personal loan) as if I still had the loan. Is that right, and if not, how do I get it changed? I did an online dispute and they said ‘verified, no change.’

 

Thanks,

Dawn

PFD…but they didn’t delete

Sep 252010
 

Hi All,

I got a PFD letter in writing via the mail about 3 months ago (I sent the original request, and they agreed to it).  It was for an account I have on my credit report from Ultra VX/Metabank (a charged off account).  The letter stated that if I paid the charged off balance of $205 that they would delete the account from the credit bureaus.  In my PFD letter to them I stated I would send a money order as payment.  In the acceptance letter back to me, they said that the account needs to be paid via Money Gram to clear the account (This didn’t sound abnormal as with the UltraVX card you had to reload it via Money Gram at Walmart).

 

I called and spoke with the lady who signed the letter prior to paying and she gave me the info to send the payment.  I made the payment the same day and gave her a call back with the confirmation number.  She verified that they received the transfer and that she submitted the account to the credit bureaus for deletion and to allow about 3 weeks for the bureaus to update.

 

Here we are 3 months later and the account has not been deleted from any of the credit bureaus.  I’ve sent a courtesy letter to UltraVX inquiring about the status and that it has not been deleted.  I’ve received no update via phone, email, or in writing and my attempts to get the lady on the phone who signed the agreement have failed.

 

Now, I am trying to figure out any recourse or steps I should take from here.  I have not sent the letter/payment confirmation to the credit bureaus, as I thought that this deletion request needs to come directly from the creditor.  I’ve filed a BBB dispute, that they have yet responded to.  In the original PFD I sent to them I had in the letter about this being a legally enforced contract that would be upheld by the laws of SC (my state).  In their agreement to delete letter it does not list this….so if legal proceedings need to happen, I’m not sure if I can file the suit here, or if I would need to file in Utah where the company is based.

 

How should I proceed with this?  Should I send a second friendly courtesy notice that I am still waiting for the account to be deleted?  Or should this be a warning letter that its my second attempt and send it as an intent to sue if the situation is not resolved?  Should I CC: my states Attorney General and Utahs Attorney General on it?

 

:smileysad: Any ideas would be appreciated.  I didn’t think I would be dealing with this as I haven’t yet experienced a company that has not deleted an account when they agreed to it in writing.

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