07-30-2013 07:35 AM
I am one CA away from having all 6 removed from my CR!
This one, however, is being incredibily stubborn and I wonder if I've run out of options.
The CA is Americollect, a small CA in northern WI. The debt was a medical debt from 2011 in the amount of $363 and has been paid in full. I have sent multiple goodwill letters, emails and faxes asking for GW delete. All no. I sent an email to the CEO...no response. The debt was valid and it's paid in full.
Before I found these forums and knew better, I disputed the (paid) TL with the CRA's and they validated.
What is my next course of action?
One thing I did notice is they are reporting an old home address for me. Could I try disputing again and hope they don't respond? I've had luck with BBB complaints in the past; do I take the "I know they've deleted for others, why not me?" road? Not sure where to go from here.
Thanks for your thoughts!
07-30-2013 07:42 AM
Yeah, the old address is reporting on TU and EQ. I just moved in April...new one hasn't caught up to me, yet.
It's not due to fall off until 2018. :-/
07-30-2013 08:04 AM
07-30-2013 09:43 AM
Yeah, they are. I keep getting my "no's" from the same person in the company. I've emailed to the CEO and another executive, but I can't get them to respond.
07-30-2013 10:09 AM
Only option I see, other than continuing the GW route, would be to take a real close look at the TL and make sure everything is reported properly.
Don't give up on the GWs, I've had them tell me countless time "NO", only to see them fall off. There's always hope!
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.
* 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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.