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Regular Contributor
Posts: 138
Registered: ‎06-10-2010
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DirecTV and

Ok, long story short....a DirecTV account was still in my name in the house my ex stayed in. I was unaware of this, because I had called to cancel it (this was way back in 2008). I moved around a lot during that time, and he actually paid it faithfully, unbeknowst to me. 


He moved out eventually and I hired a property management company, who forwarded me anything that was still coming to the house in my name...and one of those things was a DirecTV bill that showed up as overdue after he'd been gone for two months. The service was still on, and since he wasn't paying for it, it went into overdue status.


At this time I was getting ready to buy a house with my  husband, so I called them up, explained the situation, and they were actually quite helpful. I paid the balance to get it to go away, and they still owned the debt, it wasn't in collections. This was back in March or so of this year.


Fast forward to this month, and suddenly I have a collections account showing on my credit report for Nationwide Credit, Inc. There are no hits from DirecTV on my credit anywhere, so they weren't dinging me for the time it was delinquent and I was unaware - this just shows up suddenly as a Collection for this month. They're listing a collection amount of $254.


So here are my questions:


1. Should I bother calling DirecTV?

2. Should I dispute with the credit bureaus?

3. And/or should I send a DV?


Just strange, I paid this months ago, and suddenly here it is. I'd do a PFD, but I already paid this. 

Starting Score: TU: 550 EQ: 556 (pulled 6/2010)
Current Score: (pulled 4/18/11) TU: 668(pulled 4/18/2011) EQ: 741
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Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
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Re: DirecTV and

Send the DV as it would be considered timely.  See what they send back.  If it is for the same debt, do a direct dispute with them as paid.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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Posts: 144
Registered: ‎05-23-2011
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Re: DirecTV and

I have a similar situation. Who or how do you do a direct dispute? Is that with the CRA, the OC or the CA?

Starting Score: 585
Current Score: TU 734 Walmart EQ 704 FICO EX 721
Goal Score: 750 Across the board

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