Just a glitch in the process......we aren't under contract yet but we are hoping to find a home soon. In the mean time, I recieved a letter on Friday from some collections company about an At&t cell phone bill from 2008. I switched from att to tmobile in june 2008 and I don't believe I had a balance left on my acct. I called att directly and they see that there is a balance but because the acct is so old they cant access the actual records. They reccomended disputing it with the collections company and they would then have to get att to dig the original bill out of the archives. While I don't agree with even owing this money, I am tempted to pay it throught att directly and then sending proof that the debt has been paid to the collection agency. Time is of the essence right now and I just want this gone asap. Advice needed! Thanks
Paying ATT won't make it go away. Your best bet is to PFD (Pay for delete) with the CA who is reporting. (The CA is reporting, right?)
You can try to dispute it as ATT said, but you could end up with a dispute comment on your reports which would stop a mortgage dead in it's tracks. I wouldn't risk it.
I would drive that CA CRAZY until they agreed to a PFD, in a very nice way. I'd call often, fax, write, email, beg, plead, and grovel. This method has worked for me plenty of times.