Reply
New Member
Posts: 3
Registered: ‎02-17-2013
0

EOS-CCA Question.

Hello there,

 

I have been noticing a lot of issues with EOS-CCA, and I am having a problem as well. I do owe some money and I received a letter from EOS-CCA saying I can have 50% of it removed if I pay it all at once. On the letter, it shows the account number and security code that I must use online to pay it. The problem that is occurring though, is that when I do put my account number and security code (that they gave me) into the login forms, it says my "payee account number cannot be verified". I have checked overtime to make sure that it is the correct numbers I am typing in and it still says it can't be verified. I would greatly appreciate any help to this matter, as I am trying to solve this debt once and for all.

 

Thanks!

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: EOS-CCA Question.


xJennyxMariex wrote:

Hello there,

 

I have been noticing a lot of issues with EOS-CCA, and I am having a problem as well. I do owe some money and I received a letter from EOS-CCA saying I can have 50% of it removed if I pay it all at once. On the letter, it shows the account number and security code that I must use online to pay it. The problem that is occurring though, is that when I do put my account number and security code (that they gave me) into the login forms, it says my "payee account number cannot be verified". I have checked overtime to make sure that it is the correct numbers I am typing in and it still says it can't be verified. I would greatly appreciate any help to this matter, as I am trying to solve this debt once and for all.

 

Thanks!


Welcome to the forums!

I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

What Steps Do I Take - great for learning the repair process.

and Example letters - PFDs, GWs, DVs, etc.

 

I don't know how you can have 50% of the account removed. It's either report or it won't. Did you mean the balance? Know that whether you owe $0 or $10,000, the impact to FICO from any CA is equal. In other words, you can pay it online for 100% now and your FICO will not improve. The only option for score improvement is to get it deleted. The best way to get it deleted is to start with the DV letter. If they verify and you agree then mail them a PFD letter. You can always offer a 50% less mention in your letter if you still wanted to settle. If they agree in writing, then pay it and they'll delete. Without a PFD, they won't delete with a payment. Now if they cannot find you, then it's not uncommon to see a deletion after sending a DV letter.

New Member
Posts: 3
Registered: ‎02-17-2013
0

Re: EOS-CCA Question.

Hello,

 

   I'm sorry, yes as the total EOS-CCA stated that 50% of it could be removed in a lump sum settlement. I was just confused because in the letter it gives you the option to pay by mail (and it has a box that you can check to pay the lump sum settlement that they stated), but when I tried typing in my information that they gave me to login online, that is when the error popped up that my information was not valid. This is where my problem arises.

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: EOS-CCA Question.

Make sure, 100% for sure, that the letter says they will delete if you pay $x. Ignore any language like "we'll cease collections", "account will be satisfied", or "update your credit reports" or something along these lines since they don't mean they'll delete.

 

If your letter indeed says they will delete off all 3 credit reports, then I'd probably call them for the payment and keep their letter as proof they will delete upon receipt of payment.

Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
0

Re: EOS-CCA Question.


llecs wrote:

Make sure, 100% for sure, that the letter says they will delete if you pay $x. Ignore any language like "we'll cease collections", "account will be satisfied", or "update your credit reports" or something along these lines since they don't mean they'll delete.

 

If your letter indeed says they will delete off all 3 credit reports, then I'd probably call them for the payment and keep their letter as proof they will delete upon receipt of payment.


I agree. EOS-CCA seems very open to PFD and GW adjustments... if you have trouble I have some email contacts, just let me know.

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
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


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
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 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.