Credit Card Center Advertiser Disclosure

New Member
Posts: 2
Registered: ‎12-01-2012
0 Kudos

Debt Collection (RCVL PER MNG) While deployed need help!

Hi i just saw my credit report is it said i had a amount i owed to tmobile of $184 and i had cancelled my account before i left for my deployment ( im still currently deployed) i had called tmobile and said that they could not help me and directed me to call the collection agency above Receivables Performance, to fix the inquiry. I ask the guy if i paid it off if it would be taken off my credit report if i did and he said no but its better to pay it off now and dispute it with the credit bureaus about it when im back from my deployment and say i was deployed and had no knowledge of an amount owed as i did not receive no notifications about the delinquent account, and i didnt.

sorry if this is long im really frustrated about this i dropped from a 726 to 630 and im trying trying to get a new car for my when i get back i dont when to get a bad interest rate because of this. and any help is appreciated thank you

Valued Contributor
Posts: 3,007
Registered: ‎08-13-2009
0 Kudos

Re: Debt Collection (RCVL PER MNG) While deployed need help!

Do you feel you might owe the money?


I am not sure what the best path for you to proceed....


If you owe the money, pay it directly to TMobile, if you can.  THey usually do not turn down a payment.


Then you can send a goodwill letter to the collection agency and ask them to remove the collection.   They CAN do this.   Disputing it with the Credit Burueas may or may not work.  Usually not.


When you get back, wait a little bit on the getting the new car.   Adjust first....get your finances in other things to raise your crdet score (pay off balances, etc).


I really hope that the CA will remove the collection.


Thank you for your service.  Smiley Happy

New Member
Posts: 2
Registered: ‎12-01-2012
0 Kudos

Re: Debt Collection (RCVL PER MNG) While deployed need help!

I called T-mobile first and they said that i had the account cancelled  on the 11th  of June and payed the last bill for the cycle which ended in the 16th, but had told them to wait till the 18th to completly cancell my account for some odd reason im not sure i don't remember. I guess it is my fault but I don't understand why they didnt tell me i would get charged just because of those 2 or warned me alteast that i would owe an amount if i did end it on the 18th. After speaking with them they said they could'nt do anything else for me but to pay the CA and i called and  explained it to CA and he said that this happens to alot of people, i asked if i could pay for delete but he said he could'nt do it or his company doesn't allow it. I payed the 184 dollars and he said i could dispute it and explain that i was deployed etc.. saying it worked for other military personell that had the same issue as me, but i have to wait till i get that letter stating i paid the amount in 30-45 business days and bring it up with them with it.. I hope this explains more of my situation!


thanks IOBA for the reply! 

Established Contributor
Posts: 515
Registered: ‎07-31-2012
0 Kudos

Re: Debt Collection (RCVL PER MNG) While deployed need help!

Immediatly go see or e-mail your JAG. Under the soldiers sailors relief act you are protected to an extent from collections until 6 months after your deployment. You JAG should be able to give you all the details. Or you can google it and learn but JAG is probably your best bet.

What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.