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Valued Contributor
Posts: 1,540
Registered: ‎10-25-2011
0

Collections listed by Fico CW

I have some random things listed as "Collections" with the myFico CW?

 

Collection on debt to: Eba􀁜 Inc
The collection agency "178YC12307" was hired to collect a debt of $35 originally owed to "Ebay Inc" on account number
"XXXXXXXX".
Collection agency 178YC12307
Original balance $35
Current balance $35
Date assigned Apr, 2011
Original lender Ebay Inc
Account number XXXXXXXX
Account holder Individual
Collection

 

 

Umn, ive never defaulted on ebay and what proof do they have to place a collection again me????

 

Why are the collection agencies on these 4 "collections" i have out there listed as numbers and letters? 

 

all have 0 balance.... (except that weird ebay one) how can i get them to not report as a collection (since my other collections dont report as collections with this tool??? 

 

 

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Starting Score: 512 10/2011 Current Score: EQ: 686 | TU: 689 | EX: 690
In My Wallet: SFCU Visa: $10,000 | UECU Visa: $5000 | WellsFargo: $3900 | Cap1 QS: $3500 | Cap1 QS: $3000 | Cap1 AU: $3250
Senior Contributor
Posts: 4,196
Registered: ‎03-24-2008
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Re: Collections listed by Fico CW

[ Edited ]

Wow, idk numbers & letters listed usually means the CRA's are masking something medical, but that doesn't seem to be the case here.Smiley Surprised

 

Have you pulled your Free CR's from annualcreditreport.com recently?

If not, pull the CR's directly from the CRA's. Those tend to have more info on them, then the ones you get from a third party.

 

Oh and .......It doesn't matter where on a CR a collection is, because if coded as a collection, FICO scores it as a collection.

FICO's May 2015 EQ764 ~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Valued Contributor
Posts: 1,540
Registered: ‎10-25-2011
0

Re: Collections listed by Fico CW

I have pulled them and it shows.............. 

 

for "Ebay" 

 

COLLECTION COMPANY OF AMER
Agency Address: 700 Longwater Dr
Norwell, MA 020611624
(800) 886-9177
Date Reported: 10/2011
Date Assigned: 04/2011
Creditor Classification: Financial
Creditor Name: EBAY INC
Accounts Number: 1129XXXX
Account Owner: Individual Account.
Original Amount Owned: $35
Date of 1 st Delinquency: 09/2008
Balance Date: 10/2011
Balance Owned: $35
Last Payment Date : N/A
Status Date: 10/2011
Status: D - Unpaid
Comments: N/A

----- IF you find my post helpful, Select the star in the KUDOS button! Smiley Happy
Starting Score: 512 10/2011 Current Score: EQ: 686 | TU: 689 | EX: 690
In My Wallet: SFCU Visa: $10,000 | UECU Visa: $5000 | WellsFargo: $3900 | Cap1 QS: $3500 | Cap1 QS: $3000 | Cap1 AU: $3250
Senior Contributor
Posts: 4,196
Registered: ‎03-24-2008
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Re: Collections listed by Fico CW

You never default on a ebay account, correct?   Could this be ID thief ?  Or someone with a similar name as yours, and the CRA put this debt on the wrong persons file?

I would try to contact Ebay, ask "What in the world is going on".lol Well maybe not those exact words, but you know what I mean.

 

This one shows the Name,add and ph # of the CA. You could send a DV letter to this CA or dispute with the CRA's as "not mine".

Just thinking off the top of my head of different options.Smiley Tongue

FICO's May 2015 EQ764 ~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Valued Contributor
Posts: 1,540
Registered: ‎10-25-2011
0

Re: Collections listed by Fico CW

its only 35 dollars, should i negotiate a PFD? 

----- IF you find my post helpful, Select the star in the KUDOS button! Smiley Happy
Starting Score: 512 10/2011 Current Score: EQ: 686 | TU: 689 | EX: 690
In My Wallet: SFCU Visa: $10,000 | UECU Visa: $5000 | WellsFargo: $3900 | Cap1 QS: $3500 | Cap1 QS: $3000 | Cap1 AU: $3250
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Valued Contributor
Posts: 1,540
Registered: ‎10-25-2011
0

Re: Collections listed by Fico CW

i wonder if they would Settle with me for 5 dollars?!?!? LOL JK JK !!!!!!!

----- IF you find my post helpful, Select the star in the KUDOS button! Smiley Happy
Starting Score: 512 10/2011 Current Score: EQ: 686 | TU: 689 | EX: 690
In My Wallet: SFCU Visa: $10,000 | UECU Visa: $5000 | WellsFargo: $3900 | Cap1 QS: $3500 | Cap1 QS: $3000 | Cap1 AU: $3250
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