Beginners questions, probably easy help.

[Anonymous]

So, I am brannnnd new here.

I just signed up here and got the free 30 day trial (Which I am loving!)

In 2002, I had a few accounts that went into collections, and those come up twice as flagged, even though it is the same account and I paid the collections on time.

It is the same ammount, but the collector's entry says date opened: not on record.

There are actually two accounts like this, can I get the duplicates off?

Also, I have one last account in collections that I am going to pay off on the 30th.

How much power do I have to ask them to remove it from the credit report?

$172.00, not a big deal, but I don't want any recent flags on there.

When I call to arrange a payment is there something I can say?

The credit card was issued from WFNNB, if that makes a difference.

[Anonymous]

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meg wrote:

So, I am brannnnd new here.

I just signed up here and got the free 30 day trial (Which I am loving!)

In 2002, I had a few accounts that went into collections, and those come up twice as flagged, even though it is the same account and I paid the collections on time.

It is the same ammount, but the collector's entry says date opened: not on record.

There are actually two accounts like this, can I get the duplicates off?

Also, I have one last account in collections that I am going to pay off on the 30th.

How much power do I have to ask them to remove it from the credit report?

$172.00, not a big deal, but I don't want any recent flags on there.

When I call to arrange a payment is there something I can say?

The credit card was issued from WFNNB, if that makes a difference.

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Do NOT pay that 172.00 without sending a PFD first. Get it in writing that if you pay it, they will have it deleted from the CRA.............No phone calls.....in writing only

[Anonymous]

you can try a PFD, PAY for DELETE letter.

[Neblett]

And ABSOLUTELY, if there are duplicate accounts, get them OFF of there!

That's a completely legitimate dispute.

[Anonymous]

ok, thank you!

I mail/fax the letter and wait to hear back from them in writing, before paying?

Just want to make sure.

Message Edited by meg on 07-20-2007 11:47 AM

[Anonymous]

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meg wrote:

ok, thank you!

I mail/fax the letter and wait to hear back from them in writing, before paying?

Just want to make sure.

Message Edited by meg on 07-20-2007 11:47 AM

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Personally, i would mail  it certified with return receipt. They can easily say they did not get your fax, but there is no way around it if you do CMRRR

[Anonymous]

By the way, welcome to this forum. Glad ya joined!!!! You'll learn tons of great info here.

[Anonymous]

Welcome!!!

My girl Flygirl gave you good advice....PFD!!