Lambo23 wrote:I have a past debt from a year and a half ago with chase bank. I had overdrafted my checking account and owe them $380. They closed my account within a month of the overdraft and sent it to a collection agency. I did receive one letter from the collection agency a few months after at my old address, but I did not have a job and could not pay it. I have not received anything since (im at a new address as well) and it is not showing on any of my credit reports. BUT I am still really scared that they will see my reports being cleaned up and report the debt.
Would freezing my reports take away the opportunity for them to do that? No. CA's have full access to your CR's freeze or not.
And does anyone know if they will report an overdrafted checking account to a credit report? Yes! I would get in touch with them and pay it before it becomes a 7 year mistake on your part!
Thank you for your quick reply! I am a little scared to call the collection agency because I have not heard from them in over a year! Also, I feel like they are all full of it and will do what they can to scam you. Do you think I will be able to just call Chase directly and pay off the debt owed? I am also very afraid that once I pay the debt, they will report it and it will then show on my reports! UGH 
Lambo23 wrote:Thank you for your quick reply! I am a little scared to call the collection agency because I have not heard from them in over a year! Also, I feel like they are all full of it and will do what they can to scam you. Do you think I will be able to just call Chase directly and pay off the debt owed? I am also very afraid that once I pay the debt, they will report it and it will then show on my reports! UGH
I would try Chase first, go into a bank and explain the situation and see if they will let you pay it off and pull the collection back. If not, you may have to deal with the CA directly. In that case, they have the upper hand with it because it's only a year old and I would just offer to PIF, if they haven't already reported they shouldn't report after it's been paid unless they are in the process of reporting it now.
Lambo23 wrote:It's not the amount that im worried about. I now have a decent job in which I could easily pay the debt off, but I am afraid of getting finnagled by the CA. They are just so sketchy! I know going into the bank would be better, but would calling be an alternative? Or could that possibly hurt me more if I get a CSR not willing to help? I guess that could happen inside a bank as well, though.
Your not going to run into any issue from the OC or the CA if you got the funds to pay it in full. I'd pay it ASAP.
Lambo23 wrote:
LS2982 wrote:
Lambo23 wrote:It's not the amount that im worried about. I now have a decent job in which I could easily pay the debt off, but I am afraid of getting finnagled by the CA. They are just so sketchy! I know going into the bank would be better, but would calling be an alternative? Or could that possibly hurt me more if I get a CSR not willing to help? I guess that could happen inside a bank as well, though.
Your not going to run into any issue from the OC or the CA if you got the funds to pay it in full. I'd pay it ASAP.
Thanks for the help!
1 more question, If i call chase or the CA and I want to use my card to pay the debt, how should I do this? Give them the info on the phone or get something in writing from them? I have never done this before and don't know the proper procedures for paying off a debt and insuring they report it as paid!
You've stated that it hasn't been reported yet, so them reporting as paid is out of the picture. I would go into the bank and pay it and ask for a written reciept.
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