10-15-2012 05:42 PM
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
10-16-2012 07:54 PM
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.
10-16-2012 08:00 PM
10-19-2012 08:38 PM
10-19-2012 09:08 PM
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.
* 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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.