10-10-2012 06:17 PM - edited 10-10-2012 06:18 PM
We are hoping to buy a house in the spring and I got a collections letter from CPA. They stated that they hadn't reported to CR and that I should pay soon so that they do not. I did a quick gut reaction and just paid it, out of fear, to prevent that from happening. I have credit monitoring and nothing had reported. Of course, a week after I pay, they report it. Paid collection, zero balance. I could cry. My credit score has dropped 25 points. This IS a valid debt, it slipped my mind, I forgot about the stupid cable box, and here I am.
Too late to DV, too late to PFD. GW is all I have, correct? Where will I have better luck? CPA? Comcast? Any specific route with Comcast? BBB?
I'm frustrated at the fact that I did the right thing by paying it and they STILL reported it after the fact. I should have known better. I'd have 200 more dollars in my bank account and the same credit score had I just let it be. And maybe a shot at a PFD.
Any advice would be immensely appreciated. I have no idea how this will change our ability to buy a home with a collection under 12 months old.
10-10-2012 07:52 PM
Send a GW to whoever posted to your CR. Get that thing going we' e got a house to buy!!! Good Luck!
10-11-2012 06:59 AM
I called Comcast, they told me to go to the local office. From my readings on the nets, it seems like that won't be of use. I guess it's worth a shot.
Does anyone have any contacts/email addresses at CPA? If I send a GW to the main address, it probably won't even be opened.
01-28-2013 10:52 AM
How did this go for you? Were you able to get it deleted? I sent a GW email to email@example.com last week and got a call from their Executive Office this past Saturday. They said they wouldn't be able to delete because it wasn't their error, but would have CPA send me a letter stating that the debt has been PIF. That obviously won't do me any good, so I need a new approach... I've had no luck getting CPA to delete either. Before I paid them, the rep that I spoke assured me that her supervisor could delete it for me, but when she transferred me to her supervisor after the payment, I sat on hold for 2 hours and hung up. Maybe I could use that as some sort of leverage directly with CPA or BBB. Argh... Let me know if you had any luck!
01-28-2013 11:16 AM
I had great success with BBB. I was contacted by a rep, I explained the situation, and asked for their graciousness and a deletion. They did - within days. It can be done! Stick with it.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.