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bigjim1
Established Member

Collection/remove from credit

Ok long story short...I have a collection just appeared on my credit in march 2014, from collection agency for $34.00, shows on report original creditor is dish network...long story short i did not owe them 34.00. so i refused to pay them.... talked to dish  them about 8 months ago they said no problem would get it adjusted off my account....thought that was the end of it.  When i found it on my report recently i called the CA, told them i did not owe it they said got it from dish, and even if i agreed to pay them in full they WERE NOT willing to delete from my credit report.....so i called dish and finally got ahold of someone who said, they WOULD adjust it off my account but that they could NOT pull from CA because it was a valid debt?  I explained what i was told 8 months ago and they said no record of it!!!!!  However they did agree and they did send me an email, with their name DISH all over it that says as of May 22, 2014, your dish newtwork account has a zero balance.  Signed by an individual, with the title of Customer Service Specialist.

 

Question, I know i need to send a copy to all 3 CB's, but do i tell them the $34.00 is reporting incorrectly and have them remove it?  Also for clarification the account number with Dish and the CA do not match (however on credit report it clearly says original creditor is dishnetwork).  Also do send a copy of the letter to the CA as well telling them based on the dish letter i do not owe them or dish any money and to remove it from my credit report.  Thanks

Message 1 of 5
4 REPLIES 4
bigjim1
Established Member

Re: Collection/remove from credit


@bigjim1 wrote:

Ok long story short...I have a collection just appeared on my credit in march 2014, from collection agency for $34.00, shows on report original creditor is dish network...long story short i did not owe them 34.00. so i refused to pay them.... talked to dish  them about 8 months ago they said no problem would get it adjusted off my account....thought that was the end of it.  When i found it on my report recently i called the CA, told them i did not owe it they said got it from dish, and even if i agreed to pay them in full they WERE NOT willing to delete from my credit report.....so i called dish and finally got ahold of someone who said, they WOULD adjust it off my account but that they could NOT pull from CA because it was a valid debt?  I explained what i was told 8 months ago and they said no record of it!!!!!  However they did agree and they did send me an email, with their name DISH all over it that says as of May 22, 2014, your dish newtwork account has a zero balance.  Signed by an individual, with the title of Customer Service Specialist.

 

Question, I know i need to send a copy to all 3 CB's, but do i tell them the $34.00 is reporting incorrectly and have them remove it?  Also for clarification the account number with Dish and the CA do not match (however on credit report it clearly says original creditor is dishnetwork).  Also do send a copy of the letter to the CA as well telling them based on the dish letter i do not owe them or dish any money and to remove it from my credit report.  Thanks


Wow unbelievable, i just posted this, and then got an email from score watch that a new collection was posted on my account, so i thought what the _ell is going on?  Looked it up, its for guess how much?  $34.00 it says original creditor is unknown, but it has to be the same $34.00 as above with dish network, but this is not the CA that listed it in March 2014, what would you do?

Message 2 of 5
gdale6
Moderator Emeritus

Re: Collection/remove from credit


@bigjim1 wrote:

@bigjim1 wrote:

Ok long story short...I have a collection just appeared on my credit in march 2014, from collection agency for $34.00, shows on report original creditor is dish network...long story short i did not owe them 34.00. so i refused to pay them.... talked to dish  them about 8 months ago they said no problem would get it adjusted off my account....thought that was the end of it.  When i found it on my report recently i called the CA, told them i did not owe it they said got it from dish, and even if i agreed to pay them in full they WERE NOT willing to delete from my credit report.....so i called dish and finally got ahold of someone who said, they WOULD adjust it off my account but that they could NOT pull from CA because it was a valid debt?  I explained what i was told 8 months ago and they said no record of it!!!!!  However they did agree and they did send me an email, with their name DISH all over it that says as of May 22, 2014, your dish newtwork account has a zero balance.  Signed by an individual, with the title of Customer Service Specialist.

 

Question, I know i need to send a copy to all 3 CB's, but do i tell them the $34.00 is reporting incorrectly and have them remove it?  Also for clarification the account number with Dish and the CA do not match (however on credit report it clearly says original creditor is dishnetwork).  Also do send a copy of the letter to the CA as well telling them based on the dish letter i do not owe them or dish any money and to remove it from my credit report.  Thanks


Wow unbelievable, i just posted this, and then got an email from score watch that a new collection was posted on my account, so i thought what the _ell is going on?  Looked it up, its for guess how much?  $34.00 it says original creditor is unknown, but it has to be the same $34.00 as above with dish network, but this is not the CA that listed it in March 2014, what would you do?


Immediately DV them. Dish telling you they would 0 it out but could not pull the CA back is wrong, if they 0 it out there is no debt to collect, I would demand deletion and if they failed to do so I would then file a CFPB complaint on both Dish & the reporting CA.

Message 3 of 5
bigjim1
Established Member

Re: Collection/remove from credit


@gdale6 wrote:

@bigjim1 wrote:

@bigjim1 wrote:

Ok long story short...I have a collection just appeared on my credit in march 2014, from collection agency for $34.00, shows on report original creditor is dish network...long story short i did not owe them 34.00. so i refused to pay them.... talked to dish  them about 8 months ago they said no problem would get it adjusted off my account....thought that was the end of it.  When i found it on my report recently i called the CA, told them i did not owe it they said got it from dish, and even if i agreed to pay them in full they WERE NOT willing to delete from my credit report.....so i called dish and finally got ahold of someone who said, they WOULD adjust it off my account but that they could NOT pull from CA because it was a valid debt?  I explained what i was told 8 months ago and they said no record of it!!!!!  However they did agree and they did send me an email, with their name DISH all over it that says as of May 22, 2014, your dish newtwork account has a zero balance.  Signed by an individual, with the title of Customer Service Specialist.

 

Question, I know i need to send a copy to all 3 CB's, but do i tell them the $34.00 is reporting incorrectly and have them remove it?  Also for clarification the account number with Dish and the CA do not match (however on credit report it clearly says original creditor is dishnetwork).  Also do send a copy of the letter to the CA as well telling them based on the dish letter i do not owe them or dish any money and to remove it from my credit report.  Thanks


Wow unbelievable, i just posted this, and then got an email from score watch that a new collection was posted on my account, so i thought what the _ell is going on?  Looked it up, its for guess how much?  $34.00 it says original creditor is unknown, but it has to be the same $34.00 as above with dish network, but this is not the CA that listed it in March 2014, what would you do?


Immediately DV them. Dish telling you they would 0 it out but could not pull the CA back is wrong, if they 0 it out there is no debt to collect, I would demand deletion and if they failed to do so I would then file a CFPB complaint on both Dish & the reporting CA.


thanks

Message 4 of 5
bigjim1
Established Member

Re: Collection/remove from credit


@bigjim1 wrote:

@gdale6 wrote:

@bigjim1 wrote:

@bigjim1 wrote:

Ok long story short...I have a collection just appeared on my credit in march 2014, from collection agency for $34.00, shows on report original creditor is dish network...long story short i did not owe them 34.00. so i refused to pay them.... talked to dish  them about 8 months ago they said no problem would get it adjusted off my account....thought that was the end of it.  When i found it on my report recently i called the CA, told them i did not owe it they said got it from dish, and even if i agreed to pay them in full they WERE NOT willing to delete from my credit report.....so i called dish and finally got ahold of someone who said, they WOULD adjust it off my account but that they could NOT pull from CA because it was a valid debt?  I explained what i was told 8 months ago and they said no record of it!!!!!  However they did agree and they did send me an email, with their name DISH all over it that says as of May 22, 2014, your dish newtwork account has a zero balance.  Signed by an individual, with the title of Customer Service Specialist.

 

Question, I know i need to send a copy to all 3 CB's, but do i tell them the $34.00 is reporting incorrectly and have them remove it?  Also for clarification the account number with Dish and the CA do not match (however on credit report it clearly says original creditor is dishnetwork).  Also do send a copy of the letter to the CA as well telling them based on the dish letter i do not owe them or dish any money and to remove it from my credit report.  Thanks


Wow unbelievable, i just posted this, and then got an email from score watch that a new collection was posted on my account, so i thought what the _ell is going on?  Looked it up, its for guess how much?  $34.00 it says original creditor is unknown, but it has to be the same $34.00 as above with dish network, but this is not the CA that listed it in March 2014, what would you do?


Immediately DV them. Dish telling you they would 0 it out but could not pull the CA back is wrong, if they 0 it out there is no debt to collect, I would demand deletion and if they failed to do so I would then file a CFPB complaint on both Dish & the reporting CA.


thanks


quick question, does it do any good for me to use this site, to dispute electronically?  saw a tab on here that says you can submit erroneous and or dispute things, would that speed up the process.   Also had one other small medical collection 88.00 tx to the CA today said would mail me a deletion letter and i agreed to pay them in full once i have deletion letter in my hand....with those two off my credit do any of you have any idea if that will give me a 20-30 point bump?

Message 5 of 5
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