Reply
New Member
porgieboo
Posts: 4
Registered: ‎02-28-2011

Re: EOS-CCA Deleted

I sent my email Tuesday and received an email back Thursday saying it will be removed from all 3 CB's and I will no longer be contacted regarding it!!!!!!!!!!!!!!!!!!!

 

 

I am so glad I came across this forum!

Thanks so much!

New Member
mustiaziz
Posts: 4
Registered: ‎12-10-2012

Re: EOS-CCA Deleted

Please pm me and let me know who I email. Thank you in advance!
New Member
IvyBrown
Posts: 3
Registered: ‎12-04-2012

Re: EOS-CCA Deleted

[ Edited ]

HI can you please please please PM me and let me know the contact info you used so I can share a similar testimony? I have been patiently waiting for someone's help but have had no luck. Thanks

Established Member
hificat
Posts: 16
Registered: ‎12-19-2012

Re: EOS-CCA Deleted

[ Edited ]

I'm seeing a lot of people having deletes done by EOS CCA. I'm wondering if they did a full payment to get this, or a partial? I have an amount in collection with them that is under $200, but it's wonking my credit. I have the money to pay it in full if necessary. Can anyone advise on my best course of action. Need to do a 70% home equity refi on my house soon (very soon), and want to resolve as quickly as possible. 

 

Thanks

 

PS I've PMed a couple members asking for email, but if anyone wants to PM it to me, I'll take it. Need to get this resolved quick. 

New Member
mustiaziz
Posts: 4
Registered: ‎12-10-2012

Re: EOS-CCA Deleted

I sent complaint letter to BBB. Within a day they had responded that they would remove it from CRAs. Still waiting for removal but should be within next reporting cycle.
Valued Contributor
rckstrscott
Posts: 2,659
Registered: ‎04-25-2011

Re: EOS-CCA Deleted


hificat wrote:

I'm seeing a lot of people having deletes done by EOS CCA. I'm wondering if they did a full payment to get this, or a partial? I have an amount in collection with them that is under $200, but it's wonking my credit. I have the money to pay it in full if necessary. Can anyone advise on my best course of action. Need to do a 70% home equity refi on my house soon (very soon), and want to resolve as quickly as possible. 

 

Thanks

 

PS I've PMed a couple members asking for email, but if anyone wants to PM it to me, I'll take it. Need to get this resolved quick. 


I did not have to pay for this removal.. I will send you a PM

 

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Valued Contributor
rckstrscott
Posts: 2,659
Registered: ‎04-25-2011

Re: EOS-CCA Deleted


mustiaziz wrote:
I sent complaint letter to BBB. Within a day they had responded that they would remove it from CRAs. Still waiting for removal but should be within next reporting cycle.

BBB complaints have been working as well, I usually recommend emailing because there have been instances where the BBB hasn't worked; esp if they have enough to validate with -- the email COULD open up a dialog the BBB complaint might not.

 

Either way, both have been working a majority of the time.. good work!

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Established Member
hificat
Posts: 16
Registered: ‎12-19-2012

Re: EOS-CCA Deleted

[ Edited ]

My situation may be a little different than other people's here. In my case the debt in question isn't that old, maybe 6-8 months give or take, and more than likely legit (verifiable). I not only don't mind paying some, or even all the debt, I actually want to. The weird position that puts me in, is I can't really say the debt is old or questionable. That seems to be the direction that most people have been able to take in the emails. I also can't really file a complaint with BBB, because EOS hasn't really done anything except try and collect a debt, and haven't done anything outrageous to try and do it.

 

I did call them on the phone a few weeks into it, and offered them $125 on a couple occaisions if they would delete, but they told me they couldn't do it. The last person I talked to there actually told me a delete wasn't an option at the early stage of collection I was in, and it would have to be escaleted first. That was the last contact I had with EOS and it was several months ago. The phone has rung many times since then, and we haven't answered. The only reason we still have a land line, is I thought at some point I may need to receive a fax regarding getting this delete done.

 

Biggest thing I need to accomplish now, is getting this deleted from my acct as quickly as possible, and I certainly don't mind paying to do it.

 

Any advice on how I should approach this would be greatly appreciated. And thanks to Scott for the advice already provided.

 

Thanks

Chris

New Member
mustiaziz
Posts: 4
Registered: ‎12-10-2012

Re: EOS-CCA Deleted

Chris, there are more qualified people to comment on this, but have you tried to reach out to the original creditor to work out a payment in exchange to listing it as current? As you have already stated this is a debt that can be verified. Have you tried writing the CEO a goodwill letter explaining your circumstances and suggesting a payment plan in lieu of being made current and deleting the negative comment from your CRA? Again, I'm not really qualified to speak about this so take my suggestions with a grain of salt. Best of luck.
Valued Contributor
rckstrscott
Posts: 2,659
Registered: ‎04-25-2011

Re: EOS-CCA Deleted


hificat wrote:

My situation may be a little different than other people's here. In my case the debt in question isn't that old, maybe 6-8 months give or take, and more than likely legit (verifiable). I not only don't mind paying some, or even all the debt, I actually want to. The weird position that puts me in, is I can't really say the debt is old or questionable. That seems to be the direction that most people have been able to take in the emails. I also can't really file a complaint with BBB, because EOS hasn't really done anything except try and collect a debt, and haven't done anything outrageous to try and do it.

 

I did call them on the phone a few weeks into it, and offered them $125 on a couple occaisions if they would delete, but they told me they couldn't do it. The last person I talked to there actually told me a delete wasn't an option at the early stage of collection I was in, and it would have to be escaleted first. That was the last contact I had with EOS and it was several months ago. The phone has rung many times since then, and we haven't answered. The only reason we still have a land line, is I thought at some point I may need to receive a fax regarding getting this delete done.

 

Biggest thing I need to accomplish now, is getting this deleted from my acct as quickly as possible, and I certainly don't mind paying to do it.

 

Any advice on how I should approach this would be greatly appreciated. And thanks to Scott for the advice already provided.

 

Thanks

Chris


Send an email to those contacts I sent you explaining your situation.. people have gotten GW deletions after paying too..

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX

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