topic Re: Collection Removed then Re-Added in Rebuilding Your Credit

Collection Removed then Re-Added

JustMe77 — Fri, 12 Oct 2012 03:21:31 GMT

In 2010, I disocvered a $64 unpaid collection account from Qwest on my credit report. I still have my old credit report from when I discoverd this, and on that report it showed the "date last active" of June 1, 2008. I disputed it on my reports, which went nowhere. Contacted the collection agency directly and asked them to verify the debt. Apparently they couldn't so it was removed from all 3 reports.

Well, fast forward to July 2012. I got a letter from one of the bureaus saying something negative was now on my report. Checked my report and sure enough, there is now a $64 unpaid collection account from Century Link (they took over Qwest recently) assigned to a collection agency (EOS). It says "date opened" of 3/2012 and "reported since 5/2012".

I don't think I owe Qwest/Century Link $64, which is why I disptued it in the first place. That being said, I did have an account with Qwest in 2008, but have not had an account with Qwest or Century Link since. I'm pretty sure this is the same $64 collection that was removed. I disputed the Century Link collection account a few months ago with the 3 bureaus directly, which didn't help.

I vaguely remember the first collection agency sending me a letter saying they couldn't verify it. I kept it but now can't find it :(

Do you think it's worth mentioning to the new collection agency that I've already disputed what I think is the same collection account and that couldn't be verified in 2010? Any general advice would be appreciated. Thank you.

Re: Collection Removed then Re-Added

Shogun — Fri, 12 Oct 2012 05:39:30 GMT

$64? Try a PFD, that way it will be gone and won't bounce to another CA. It's a small amount and it's getting on up in years. Try and get rid of it, you don't even have to offer to pay it in full, offer 50%, see what they say.

Re: Collection Removed then Re-Added

rckstrscott — Fri, 12 Oct 2012 07:17:47 GMT

JustMe77 wrote:
In 2010, I disocvered a $64 unpaid collection account from Qwest on my credit report. I still have my old credit report from when I discoverd this, and on that report it showed the "date last active" of June 1, 2008. I disputed it on my reports, which went nowhere. Contacted the collection agency directly and asked them to verify the debt. Apparently they couldn't so it was removed from all 3 reports.

Well, fast forward to July 2012. I got a letter from one of the bureaus saying something negative was now on my report. Checked my report and sure enough, there is now a $64 unpaid collection account from Century Link (they took over Qwest recently) assigned to a collection agency (EOS). It says "date opened" of 3/2012 and "reported since 5/2012".

I don't think I owe Qwest/Century Link $64, which is why I disptued it in the first place. That being said, I did have an account with Qwest in 2008, but have not had an account with Qwest or Century Link since. I'm pretty sure this is the same $64 collection that was removed. I disputed the Century Link collection account a few months ago with the 3 bureaus directly, which didn't help.

I vaguely remember the first collection agency sending me a letter saying they couldn't verify it. I kept it but now can't find it :(

Do you think it's worth mentioning to the new collection agency that I've already disputed what I think is the same collection account and that couldn't be verified in 2010? Any general advice would be appreciated. Thank you.

I have PMed you contcts to EOS-CCA; they are pretty easy to work with via these contacts

-scott

Re: Collection Removed then Re-Added

JustMe77 — Sat, 13 Oct 2012 02:24:11 GMT

Shogun wrote:
$64? Try a PFD, that way it will be gone and won't bounce to another CA. It's a small amount and it's getting on up in years. Try and get rid of it, you don't even have to offer to pay it in full, offer 50%, see what they say.

I know, ridiculous right? I tried a PFD with the first CA but didn't get anywhere.

Scott - thank you for the PM.