11-10-2011 09:03 AM
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
Collection agency 178YC12307
Original balance $35
Current balance $35
Date assigned Apr, 2011
Original lender Ebay Inc
Account number XXXXXXXX
Account holder Individual
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???
11-11-2011 04:41 AM - edited 11-11-2011 04:41 AM
Wow, idk numbers & letters listed usually means the CRA's are masking something medical, but that doesn't seem to be the case here.
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.
11-11-2011 05:48 AM
I have pulled them and it shows..............
COLLECTION COMPANY OF AMER
Agency Address: 700 Longwater Dr
Norwell, MA 020611624
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
11-11-2011 02:46 PM
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.
11-11-2011 02:48 PM
its only 35 dollars, should i negotiate a PFD?
11-11-2011 02:48 PM
i wonder if they would Settle with me for 5 dollars?!?!? LOL JK JK !!!!!!!