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 firstname.lastname@example.org 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.
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