Collection Account with collection agency shown as numbers and letters

[Anne1208]

My husband has four collections accounts - two orthopedic surgeon bills that have been paid, a time warner that has been paid, and a medical device bill for $46 (from same time as two ortho bills), which is only being reported on Equifax, it is unpaid, and the collection agency is simply shown as "636YC00000"

What the heck is this? even if he wants to pay it, who would he contact? Assuming he figures out who to contact, if he called them and said "I will only pay it if you remove it" would that be the way to go?

Or should he just leave it? We will be trying to buy a house in 12-24 months so i dont want any unpaids on any of his reports if it'll hurt us, but i also dont want his score to drop if paying it will cause that. 

Thanks!

[Anonymous]

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@Anne1208 wrote:

My husband has four collections accounts - two orthopedic surgeon bills that have been paid, a time warner that has been paid, and a medical device bill for $46 (from same time as two ortho bills), which is only being reported on Equifax, it is unpaid, and the collection agency is simply shown as "636YC00000"

What the heck is this? even if he wants to pay it, who would he contact? Assuming he figures out who to contact, if he called them and said "I will only pay it if you remove it" would that be the way to go?

Or should he just leave it? We will be trying to buy a house in 12-24 months so i dont want any unpaids on any of his reports if it'll hurt us, but i also dont want his score to drop if paying it will cause that. 

Thanks!

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Equifax does this sometimes - they forget to "decode" the furnishers account number. There should still be a contact number and address.

[Anonymous]

Are you getting that from Credit Karma?  The BF had a med collection lthat reported that way on CK, but as an actual CA on his real report.  Pull the actual report and google HIPAA method

[Anonymous]

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@Anonymous wrote:

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@Anne1208 wrote:

My husband has four collections accounts - two orthopedic surgeon bills that have been paid, a time warner that has been paid, and a medical device bill for $46 (from same time as two ortho bills), which is only being reported on Equifax, it is unpaid, and the collection agency is simply shown as "636YC00000"

What the heck is this? even if he wants to pay it, who would he contact? Assuming he figures out who to contact, if he called them and said "I will only pay it if you remove it" would that be the way to go?

Or should he just leave it? We will be trying to buy a house in 12-24 months so i dont want any unpaids on any of his reports if it'll hurt us, but i also dont want his score to drop if paying it will cause that. 

Thanks!

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Equifax does this sometimes - they forget to "decode" the furnishers account number. There should still be a contact number and address.

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A google search indicates that may be "Alliance One/CBT Credit Service"

[RobertEG]

The debt collector was required to have sent dunning notice, withni which they must disclose how to contact them to request debt validation.

Their dunning notice should have provided adequate information to contact them.