Do I need to send a letter with payment? What are my steps here. I have a collection letter for an old debt from time warner cable. Is there any way to pay this and not have it report?
Starting Score: 656
There is no DOFD, they never reported it. I just got a letter that stated
We have previously notified you about the above referenced account which remains unpaid. A credit reporting agency has indicated that an inquiry has been made on your credit report. We hope that you are now in a better position to pay the above aaccount.
The also give me an online registration code which comes up invalid when I try to pay online
I just paid in full with VISA. I told them I don't want it reported to the CRAs. He was very nice and said I was taken out of collections today and it would not be reported to the 3 major credit bureaus if it was not reported already.
I opted out. But this was a bill I am almost certain for a FEMA disaster cable box that was destryoed in a flood. When I called in 2006 they said it was taken off my account because of the house flood and FEMA disaster.
Oh Well lesson learned, I paid it in full, no harm no foul. Now I can sleep at night knowing i wont get an email with a collections and a 100 point score drop