Reply
New Contributor
huntsmama
Posts: 52
Registered: ‎03-27-2012
0

Alliance One and American Collections Enterprises

I have to bads left to pay and have the cash to PIF. I want to do PFD on these cause they're showing dates opened about 3 years after they were already incurred (otherwise they'd fall off basically immediately cause I'm in NY).

 

Has anyone had any luck on PFD with either of these guys? Contact info that's worked?

Valued Contributor
rckstrscott
Posts: 2,660
Registered: ‎04-25-2011
0

Re: Alliance One and American Collections Enterprises

[ Edited ]

huntsmama wrote:

I have to bads left to pay and have the cash to PIF. I want to do PFD on these cause they're showing dates opened about 3 years after they were already incurred (otherwise they'd fall off basically immediately cause I'm in NY).

 

Has anyone had any luck on PFD with either of these guys? Contact info that's worked?


Ahh I see the CAs in the header..

 

date opened doesnt matter.. What is the DOFD on the account?

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
New Contributor
huntsmama
Posts: 52
Registered: ‎03-27-2012
0

Re: Alliance One and American Collections Enterprises

Alliance One and American Collections Enterprises, sorry...I put them in the title :smileyhappy:

New Contributor
huntsmama
Posts: 52
Registered: ‎03-27-2012
0

Re: Alliance One and American Collections Enterprises

They're medical collections from early 2008. They're on my Experian but not my equifax, no idea about TU, I'm not paying for it just yet cause I'm expecting some updates in the near future and would rather save my $20! I've done my annual pull for the year but that was about 10 months ago so I'm not sure. I'm not sure what the DOFD is cause I get my Experian from service that doesn't give me the full info.

Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Alliance One and American Collections Enterprises

Only EQ lists a DoFD, TU and EX use fall off dates.  To find the DoFD subtract 7.5 years from that.

Valued Contributor
rckstrscott
Posts: 2,660
Registered: ‎04-25-2011
0

Re: Alliance One and American Collections Enterprises


huntsmama wrote:

They're medical collections from early 2008. They're on my Experian but not my equifax, no idea about TU, I'm not paying for it just yet cause I'm expecting some updates in the near future and would rather save my $20! I've done my annual pull for the year but that was about 10 months ago so I'm not sure. I'm not sure what the DOFD is cause I get my Experian from service that doesn't give me the full info.


Do you have your annualcreditreport.com freebies from this year?

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
New Contributor
huntsmama
Posts: 52
Registered: ‎03-27-2012
0

Re: Alliance One and American Collections Enterprises

Not till this summer. My Experian report doesn't show a fall off date, just the date opened. Like I said, it's not a full report.

Valued Contributor
rckstrscott
Posts: 2,660
Registered: ‎04-25-2011
0

Re: Alliance One and American Collections Enterprises


huntsmama wrote:

Not till this summer. My Experian report doesn't show a fall off date, just the date opened. Like I said, it's not a full report.


Well,its 100 percent impossible then to really provide you concrete assistance without the DOFD -- and if I were you; I would purchase an official report from a CRA that shows it so you know, because it could dictate how you handle it.. that is just my opinion-- date open is irrelevant information in terms of FCRA, FDCPA and CRA exclusion on all levels.

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Alliance One and American Collections Enterprises


huntsmama wrote:

Not till this summer. My Experian report doesn't show a fall off date, just the date opened. Like I said, it's not a full report.


Do you have the ability to dispute from the place your report came from?  Don't do it, just asking.

New Contributor
huntsmama
Posts: 52
Registered: ‎03-27-2012
0

Re: Alliance One and American Collections Enterprises

Perhaps after I get the DOFD info that'd be an option.

 

Thinking back, I want to say there was something slated to fall off my experian in 3/2015 last I looked, would make sense that it was one or both of these 2 cause they're the only ones unpaid and the only ones from that time in 08. Everything else is slated to fall off this year cause it's all paid. So I guess it is showing up correct, assuming my memory is accurate...


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}