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Collection Credit Report Deleted?

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freeurmind
Valued Member

Collection Credit Report Deleted?

Long story short AT&T sent my uverse cancelation fee to collections. I was not aware of this fee until I opened up a new line to my wireless plan. I had to pay them before I can get a new line. And so I did. About 2 weeks after a collections agent called me claiming that I have a $150 debt with AT&T. I told them I paid but they said as long as they have me in there systems they have to collect. Not before long the collection showed on my credit report and shot me down about 40 points. So I freaked out. Called back and ask how can I get it removed(even though I paid AT&T) they said I needed to pay at least $75 to get rid of the collection from my credit report. My question is, can they remove it? Doesn't it stay there for 7 years.

Starting Score: EQ 630 On 02/05/13 TU 695 on 02/20/13
Current Score: EQ 679 On 02/16/13
Goal Score: 750


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Message 1 of 11
10 REPLIES 10
from500to700
Regular Contributor

Re: Collection Credit Report Deleted?

They can remove it but ask for it in writing , CA say and don't do, but if you take it in writing for sure it will be deleted

Started :
05/05/2013 EX :525,TU:542,EQ:535
09/30/2014 EX :655,TU:669,EQ:664
In Garden Since 03/16/2013
Will not Apply till 03/31/2015
Message 2 of 11
cwwatts1202
Established Contributor

Re: Collection Credit Report Deleted?

It got reported after it was paid??
Message 3 of 11
freeurmind
Valued Member

Re: Collection Credit Report Deleted?

Ok good now I know. Ill ask them to give it to me in writing

Starting Score: EQ 630 On 02/05/13 TU 695 on 02/20/13
Current Score: EQ 679 On 02/16/13
Goal Score: 750


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Message 4 of 11
freeurmind
Valued Member

Re: Collection Credit Report Deleted?

Supposedly it was paid about 2 weeks after it went into collections. But I didn't receive any calls until I paid for it. Directly with AT&T.

Starting Score: EQ 630 On 02/05/13 TU 695 on 02/20/13
Current Score: EQ 679 On 02/16/13
Goal Score: 750


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Message 5 of 11
CashOnDelivery
Established Contributor

Re: Collection Credit Report Deleted?

If you paid AT&T directly, then give them (AT&T) some time to update their info to the Collection agency. You can call to get it in writing or write a GW letter to have it removed from the Collection Agency. Keep us updated...


2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

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Message 6 of 11
freeurmind
Valued Member

Re: Collection Credit Report Deleted?

What's a GW letter?

Starting Score: EQ 630 On 02/05/13 TU 695 on 02/20/13
Current Score: EQ 679 On 02/16/13
Goal Score: 750


Take the myFICO Fitness Challenge
Message 7 of 11
from500to700
Regular Contributor

Re: Collection Credit Report Deleted?

GW = Good Will letter

Started :
05/05/2013 EX :525,TU:542,EQ:535
09/30/2014 EX :655,TU:669,EQ:664
In Garden Since 03/16/2013
Will not Apply till 03/31/2015
Message 8 of 11
DaBears
Senior Contributor

Re: Collection Credit Report Deleted?


@CashOnDelivery wrote:

If you paid AT&T directly, then give them (AT&T) some time to update their info to the Collection agency. You can call to get it in writing or write a GW letter to have it removed from the Collection Agency. Keep us updated...


No need for a GW letter. If it was paid in full to AT&T before it was sent to the CA in error. The CA has to remove their Trade Line. 

Message 9 of 11
freeurmind
Valued Member

Re: Collection Credit Report Deleted?

That's the fishy part. I paid it in January 2, I started getting calls about a week after I paid. They claimed they've had the collection since December of 2012.

Starting Score: EQ 630 On 02/05/13 TU 695 on 02/20/13
Current Score: EQ 679 On 02/16/13
Goal Score: 750


Take the myFICO Fitness Challenge
Message 10 of 11
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