Credit Cards Center Credit cards from our partners
See all cards Advertiser Disclosure†
Credit Cards Mortgages Savings Accounts Auto Insurance

General Credit Topics

turn on suggestions Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Do you mean 
Reply
Topic Options
Member
02cdjohn
Posts: 7
Registered: ‎01-09-2009
0

Advice on Collection with Sprint and Colection with NCO financial
Options

‎10-17-2012 09:26 AM

Currently I have 3 collection accounts on my credit reports: (1) Medical collection for $57; (2) Progressive Auto Insurance for $257; and (3) Sprint for $170.  I was completely shocked by the medical and Progressive auto insurance. I had never received a bill from my hospital AT ALL.  Nor did they ever call me.  So I talked to the billing department and they will let me pay the $57 and then delete the record.

 

The Progressive Collection is through NCO.  I've been reading a couple of forums to see how I should deal with them.  The problem is that I need to have this take care of by November 30. I need to rent an apartment and I want these collections gone.

 

The Sprint Collection is with Pentagroup Financial.  I haven't had sprint in 2 years.  I switched to AT&T back in July 2010.  Anyways, I logged into my online sprint account and it actually will allow me to make a payment directly to Sprint for the $170.  I am excited about this because I can deal directly with the OC.  However, once I make the payment what do I do to get Pentagroup Financial to remove it from my CR? Any advice is welcomed!

Message 1 of 2 (598 Views)
 
Community Leader<br> Epic Contributor</br>
Community Leader
Epic Contributor
RobertEG
Posts: 28,958
Registered: ‎03-19-2007
0

Re: Advice on Collection with Sprint and Colection with NCO financial
Options

‎10-17-2012 01:22 PM

If you pay the OC, they cannot either agree to or instruct the debt collector to delete their separate reporting of their collection activity.

They can call and ask them to delete, but the debt collector is in control of their own reporting, and can simply decline.

 

You have, in my opinion, incentive to offer a PFD directly to the debt collector, who can reach agreement with you to delete.

I understand reluctance to pay a debt collector, but it is often the better route. 

Dealing with the OC may appear easier, but it is not a direct route to obtaining deletion of any collection.

Message 2 of 2 (576 Views)
 
POPULAR LINKS
Credit scores | Credit reports | myFICO Blog | Affiliates

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.