topic Re: Anything to do about Unique National Collections?? in Rebuilding Your Credit

Anything to do about Unique National Collections??

goodygoody — Fri, 23 Mar 2012 16:44:26 GMT

Hi there. Checking my husband's CR today, and he has one collection from Unique National Collections from library fines around $100 (for materials he is pretty sure he returned before we moved, but ah well), from 2008. I've looked into this agency, and apparently they don't actually accept payment - you have to pay the library itself. Also, if you pay the library, UNC almost never removes a debt from a CR (though they reportedly remove after a year instead of 7).

Anyone know, since we have to pay the library, can we ask for PFD from them, or will it be invalid unless it's directly with UNC (though they don't take payments)?? Confusing situation.

Thanks!

Re: Anything to do about Unique National Collections??

tsally862 — Fri, 23 Mar 2012 18:35:00 GMT

They also reported me :smileymad: This website might help you a bit http://collectionagencydebt.blogspot.com/2010/08/unique-national-collections.html

Re: Anything to do about Unique National Collections??

Booner72 — Fri, 23 Mar 2012 20:27:15 GMT

They won't accept PFD. Yes pay library and they notify Unique. After 1 year, they remove. GW for early removal.

That is what I have researched here. When I paid it updated to zero on TU and no score change.

However, recently read another post and when they updated his TU to paid, they also updated his EX!!!!!!!!!

Re: Anything to do about Unique National Collections??

goodygoody — Fri, 23 Mar 2012 22:06:37 GMT

So to be clear, we can't ask the library for PFD because UNC has the debt?

Re: Anything to do about Unique National Collections??

Booner72 — Sat, 24 Mar 2012 02:54:13 GMT

The library has the debt. The library will take payment. Whether the library asks or not, Unique will not delete until 1 year.

Though of course, YMMV!

Re: Anything to do about Unique National Collections??

goodygoody — Sat, 24 Mar 2012 14:30:39 GMT

Right, I understand that bit, but what I'm wondering is whether it's worth asking the library itself for a PFD? In other words, are they even able to offer that since they have given the debt to UNC?