Paid Collection

[hawaiitony]

I have a Cingular account that was sent to a Collection Agency, which is now paid. If I wanted to send a GW letter, would I send it to Cingular or the CA.

Another question.....I had an account that was charged of by the OC due to BK, but the account was not included in the BK and the account was paid in full by regular monthly payments. Would it be worth the effort of sending GW to the OC? Would having this item removed actually help my score?

[hawaiitony]

Bump...anyone?

[lyssa29]

When I sent a GW to a doctor, they said they would love to help, but since it was the CA reporting, they didn't/couldn't do anything.  They even called the CA and the CA said that they showed a 0 balance and that was all they could report.  So I said they could remove it if they wanted, but the doctor didn't want to second guess the CA and call again.

I think removing any charge off could only help? 

[Anonymous]

hawaiitony wrote:

I have a Cingular account that was sent to a Collection Agency, which is now paid. If I wanted to send a GW letter, would I send it to Cingular or the CA.

The one reporting on your CR.

Another question.....I had an account that was charged of by the OC due to BK, but the account was not included in the BK and the account was paid in full by regular monthly payments. Would it be worth the effort of sending GW to the OC? Would having this item removed actually help my score?

Depends on whether you'd lose age with it being removed or not.