Credit Cards Center Credit cards from our partners
Regular Contributor
Posts: 138
Registered: ‎06-10-2010

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
Goal Score: Above 700 on both

Take the FICO Fitness Challenge
Posts: 13,897
Registered: ‎04-15-2011

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
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Posts: 143
Registered: ‎05-23-2011

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

Take the FICO Fitness Challenge

These responses are not provided or commissioned by FICO. Responses 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 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.

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.