http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Reported-with-no-prior-attempt-to-notify-me-of-debt/m-p/1731430#M221348 Last month I received a fico score alert showing an almost 100 pt drop..from 760 to 662 because of 2 collections being reported to my credit report. Upon researching I found out that they were medical in the amounts of $43 and $52 from when my son injured himself back in May. These amounts were billed by one of the outside lab companies I think (total bills during his 3 day stay was over 10k mostly paid by insurance). Anyway, the collection agency said they would delete them if I pay which I did. They were supposed to be deleted Dec 1st as of today no alert. But, my main question is is this even legal in the first place? To report without first attempting to contact for payment. They acknowledged that they never sent a letter and they received the debt Nov 1st and reported to the bureaus Nov 6th. Thx Tue, 04 Dec 2012 05:20:06 GMT savannah5 2012-12-04T05:20:06Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Reported-with-no-prior-attempt-to-notify-me-of-debt/m-p/1731430#M221348 Last month I received a fico score alert showing an almost 100 pt drop..from 760 to 662 because of 2 collections being reported to my credit report. Upon researching I found out that they were medical in the amounts of $43 and $52 from when my son injured himself back in May. These amounts were billed by one of the outside lab companies I think (total bills during his 3 day stay was over 10k mostly paid by insurance). Anyway, the collection agency said they would delete them if I pay which I did. They were supposed to be deleted Dec 1st as of today no alert. But, my main question is is this even legal in the first place? To report without first attempting to contact for payment. They acknowledged that they never sent a letter and they received the debt Nov 1st and reported to the bureaus Nov 6th. Thx Tue, 04 Dec 2012 05:20:06 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Reported-with-no-prior-attempt-to-notify-me-of-debt/m-p/1731430#M221348 savannah5 2012-12-04T05:20:06Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Reported-with-no-prior-attempt-to-notify-me-of-debt/m-p/1731730#M221349 <p>Yes, it's both legal and done regularly.</p><p>A debt collector is required under FDCPA 809(a) to give formal notice of their collection activity to the consumer within 5 days after any &quot;intitial communication&quot; with the consumer, not before.</p><p>While reporting to a CRA is not specifically mentioned in the statute as giving rise to the requirement for collection (&quot;dunning&quot;) notice, case law has established it to be a triggering act.  If they failed to provide dunning notice within the 5 day period, they could be subject to sanction or possible legal action for the violation, but such is rarely done.  Failure to provide timely dunning notice is not, itself, basis for deletion of their prior reporting.</p> Tue, 04 Dec 2012 10:03:04 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Reported-with-no-prior-attempt-to-notify-me-of-debt/m-p/1731730#M221349 RobertEG 2012-12-04T10:03:04Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Reported-with-no-prior-attempt-to-notify-me-of-debt/m-p/1732130#M221388 Send them a DV immediately. Tue, 04 Dec 2012 18:27:49 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Reported-with-no-prior-attempt-to-notify-me-of-debt/m-p/1732130#M221388 madmann26 2012-12-04T18:27:49Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Reported-with-no-prior-attempt-to-notify-me-of-debt/m-p/1733500#M221562 I will do that right away, thanks! Wed, 05 Dec 2012 04:16:39 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Reported-with-no-prior-attempt-to-notify-me-of-debt/m-p/1733500#M221562 savannah5 2012-12-05T04:16:39Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Reported-with-no-prior-attempt-to-notify-me-of-debt/m-p/1733696#M221571 <p>with medical its very common.  thats why i always preach to everyone especially if your insurance provider is involved to make sure everyone gets paid cause once an account gets slightly past due it gets sent over to collections right away and gets reported.  it happens alot.</p><p> </p><p> </p> Wed, 05 Dec 2012 05:47:21 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Reported-with-no-prior-attempt-to-notify-me-of-debt/m-p/1733696#M221571 rootpooty 2012-12-05T05:47:21Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Reported-with-no-prior-attempt-to-notify-me-of-debt/m-p/1739308#M222272 Yay!! Score went up to 766 today. Whew, I work too hard and pay too many bills on time each month to be penalized in that manner over a debt that I wasn't even aware of. Thanks everyone! Sat, 08 Dec 2012 03:06:32 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Reported-with-no-prior-attempt-to-notify-me-of-debt/m-p/1739308#M222272 savannah5 2012-12-08T03:06:32Z