I can't tell, from the information that you've provided, if they're reporting correctly or not. It sounds like maybe not, but... - well thats what im trying to have clarified - if they are allowed to report the oc balance and last payment then i guess they are but if they HAVE TO report THEIR balance and last payment then they ARE NOT reporting correctly I think disputing, in the situation, will likely not get you the end result that you're seeking; removal. I think it's more likely that you'll end up with an updated status, and an increased balance. I don't really see how this will gain you any leverage for deletion, or to remain deleted. - I was under the impression that a collection is not scored based on amount owed - as in it can be $10 or $10,000. its scrred the same - as a collection acount. Correct or no?
Questions:
- Did you DV the CA prior to making the payment arrangement? no i never DV'd - am not disputing debt - i know what it is and who the oc is. If so, did they respond with the balance due? If so, was it a detailed accounting breaking down the original amount due, and the collection costs?yes i have a breakdown - the orig amt was $2900 - a deductable - the rest is collection fees What, specifically, is the extra $1000, over and above the original amount due for? If, for example, it's interest, they'd not be reporting correctly. If they're adding some type of surcharge (and assuming it's allowed) for using a certain payment method (for example) to pay the bill, and it's ultimately going to add up to $1k, then their reporting isn't wrong. there is no interest and its in my payment agreement that there will not be any accuring interest. the extra $1000 is fees from the CA. there is no surcharge for anything.
- Have you attempted to obtain a statement of the account from OC? i have a stmt from the oc showing the oc balance of 2900
- Do you know if your state has a cap on collection fees? If so, what is it? no i dont, am in nj. ill look it up - though i dont know if i can do anything about that now as i already made payment arangements.
I do understand what you're asking, and as IIecs said previously, I wouldn't advise you to dispute. I don't see it working. Certainly not at this point. There are other avenues that you can pursue.
see thats where i dont agree - if i dispute the balance only 3 things can happen:
1. they update the balances (ok, doesnt really affect my score either way if im correct in the assumption that the balance of a collection acount is not scored)
2. they dont bother verifing and its delete (yeah i know, but people win the lottery everyday)
3. they VERFIY the INCORRECT info isnt somebody in violation of something???
