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Established Member
Posts: 16
Registered: ‎06-02-2011
0

Credit Collection Services Suggestions

So I had two collections with CCS, one paid from 2006 and one not paid from 2007. I GW for the paid collection to some emails I found through Linkedin. Never heard back from any of them, but within a week the collection was removed from my TU report, followed by a letter from CCS saying it has been returned to the OC and they have requested the deletion. TU is the only Credit report reporting these collections. So now I decide to press my luck and email, to the same people, a PFD for 50% of the amount owed. Two days go by and I get an email from a Senior VP from CCS asking for a phone number and best time to be reached and he would have one of his associates call me about my request. I can see in his email that it was forwarded by one of the people I emailed. My question is should I provide them my phone #? I dont want to get harassed by them if they dont agree to PFD. The collection is scheduled to be removed 03/2014.


Starting Score: 551 1/1/2012
Current Score: TU MyFico 693 3/7/2012 MyFico EQ 685 3/7/2012 USAA FAKO 3/7/2012 EX 688 EQ 715 TU 669
Goal Score: 750


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Established Member
Posts: 14
Registered: ‎02-23-2012
0

Re: Credit Collection Services Suggestions

As many will tell you on here, it's best to never communicate via telephone with a collection agency...you want a paper trail. With that being said, CCS (in my own experience) is a fairly easy CA to deal with. I had several paid collections deleted, and I have spoken with them over the phone. I have 1 lady in particular I talk to and deal with. We currently have 1 private student loan that we are paying off (have been since 2007) via monthly payments. There have been several times I couldn't pay the full monthly payment and they let me just pay what I was comfortable with. I have even been told by 2 of their employees that they "usually" go ahead and delete your file with them once you've satisfied your debt. Good luck!!

4/5/12 lender pull: EQ(635), EX (683) TU (645)
Goal: 700+ across the board.
Regular Contributor
Posts: 146
Registered: ‎01-24-2012
0

Re: Credit Collection Services Suggestions

do you have contact info for ccs? I have a paid collection with them

Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: Credit Collection Services Suggestions

Don't be afraid to provide phone number.  You can always ask them later to not contact you via phone and by law they need to stop.

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Mega Contributor
Posts: 19,799
Registered: ‎03-19-2007
0

Re: Credit Collection Services Suggestions

You are seeking to negotiate with them.  Providing a telephone no. for contact would appear to be a benficial part of your negotiation efforts.

Established Member
Posts: 14
Registered: ‎02-23-2012
0

Re: Credit Collection Services Suggestions

boonelb, check your PM :smileywink:

4/5/12 lender pull: EQ(635), EX (683) TU (645)
Goal: 700+ across the board.
Regular Contributor
Posts: 146
Registered: ‎01-24-2012
0

Re: Credit Collection Services Suggestions

thanks.

Member
Posts: 19
Registered: ‎07-17-2012
0

Re: Credit Collection Services Suggestions

send me info too please..... thanks.

Regular Contributor
Posts: 191
Registered: ‎07-05-2012
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Re: Credit Collection Services Suggestions

I did all of that also, following advice of others on the board. I gave my phone number. They said if I paid in full, not a penny less, they would delete if I asked. I paid. They deleted from two within a week. Im waiting for the last one (eq) to come off. They were not bad to deal with at all IMO, but I was willing to pay in full.

Established Contributor
Posts: 584
Registered: ‎07-20-2008
0

Re: Credit Collection Services Suggestions


igids1 wrote:

I did all of that also, following advice of others on the board. I gave my phone number. They said if I paid in full, not a penny less, they would delete if I asked. I paid. They deleted from two within a week. Im waiting for the last one (eq) to come off. They were not bad to deal with at all IMO, but I was willing to pay in full.


Did you call CCS at the number on your credit report or another one?  If another one, can you please send to me?  

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