Credit Card Center Advertiser Disclosure

Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
0 Kudos

Re: before i get into the meat of the matter......

leslie0120 wrote:
I was wondering if you guys could help me. I too have a collection with West Asset Management it was for ATT for the amount of $204. I paid this collection off 2/07 they reported in 9/06. Does anyone know who I would write to, to have it removed. Would I write Att or West Asset Management? I would write a gw letter right? Does anyone know where I would send letter to. I actually had just separated from my ex husband and I fell behind on a few things.

Call ATT and see if they still own the account- if they do try a PFD
If the CA owns the account contact them via mail for a PFD
Established Member
Posts: 18
Registered: ‎06-04-2007
0 Kudos

Re: before i get into the meat of the matter......

trinigal -

I had a situation with Cingular when I moved from NY to GA a few years ago. The total debt was something like $85. When I moved to GA, I switched my phone number to a local number with Cingular Atlanta.

Alas during the move things got lost in the shuffle and once I realized that I owed the money, I was about 90 days late. I paid the bill in full along with my current balance right through my phone and thought nothing else of it.

About six months later, I started getting letters from some collection agency (neither of the ones you are dealing with) demanding that I pay the $85 bill. Boy was I PO'd. So I called Cingular GA and they said I had to call Cingular NY. I called Cingular NY and they said I needed to take this up with the collection agency. I called the collection agency and they said it was Cingular's problem and they just wanted to collect the money.

Eventually, Cingular NY said they would take care of it and I let it drop after weeks of this back and forth nonsense. Then nearly a year later, I started getting collection letter from yet ANOTHER agency regarding the same bill. I continued to argue with them, submitted things in writing, etc. They eventually agreed to settle the account for 50% of the original bill.

In the end, I agreed to that arrangement on the condition that the collection agency mail me a certified mail letter indication that the debt was paid in full and that both the agency and Cingular were satisfied and wouldn't come after me at a later date.

They sent the letter (which I still have, just in case) and the collection was pulled from my credit reports and is not showing up anywhere.

I am still kinda burned because I know I paid the bill, but feel lucky that I escaped as lightly as I did. My problem was in not realizing that Cingular did not have a unified billing system and was handled regionally, so paying my past due to Cingular GA meant it got lost in the system.

Guess who won't be making that mistake again? Smiley Wink

Established Contributor
Posts: 578
Registered: ‎06-18-2007
0 Kudos

Re: before i get into the meat of the matter......

[ Edited ]
Success!!! Well sort of.  Either way, your matter is settled.  I'm sitting up here scared to call the CA.  I'm not the most forceful person, I'm more of a jokster (although how effective that is, is still open for debate) and a laid back kinda gal, I'm from the Caribbean after all. 
I know I messed up, I'm willing to pay, I just want it off my report.  I'm going to work up the nerve to call.  I guess I'm just trying to gauge from other people's experiences what to expect when I do.
But I appreciate you sharing your experience.  I'm going to pray hard that I get a real nice man on the phone with both those CAs that appreciates my island accent Smiley Wink

Message Edited by trinigal on 06-21-2007 08:13 AM

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 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.