06-11-2012 08:37 AM
So i have been trying so hard to rebuild my credit and have been pretty succesful at reduce my UTI rate, obtaining new credit one at a time and making pyment on time. IM planing to apply for FHA loan at endof this year and my LO gave me the green light to do so. my EQ score is 650 (mid score). i just pulled my monthly report yesteday and discovered a colleciton for $43 from ATT with DOFDL 10/2010. this is when i moved out of my leased condo into a my rental now. my score took a plunge of 37 points. i immediately called EOS-CCA to try a PFD but they wont do it. can anyone with EOS-CCA experience help? please pm me info as well if you can. id really need to get this deleted from my report and regain my points.
They stated that if i pay in full, they will update my account as closed, paid in full but that wont help regaining my score at all. FHA wont approve loan if i have collection or late in last 12 months. im so stressed out over a mere $43. im actually calling ATT right now to get it paid off and see what i can do with them.
Also, ive never received any kind of letter from EOS-CCA at all stating that i should pay the $43 charge. THey didnt have my address or couild pull me up in their system until i gave them my ssn#. please help!!!
06-11-2012 10:05 AM
06-11-2012 10:27 AM
I'd pay AT&T (ASAP) and beg up the chain for goodwill. That advice could be wrong so it might make sense allowing someone more experienced to chime in.
06-11-2012 10:36 AM
I had a similar situation with National Grid, where EOS was reporting.
I paid National Grid in full and waited for payment to update. Then I sent a GW e-mail to EOS and they agreed to remove all reporting.
06-11-2012 05:55 PM
If you pay the OC and then DV the debt collector, they can do several things.... none of which will compel deletion.
1. They can continue to conduct any collection activites, as the DV would most likely not be timely
2. They can ignore the DV, as the collection is already closed, and thus they have no need for further collection activity.
3. They can verify by simply stating "We verify the debt is $0."
06-11-2012 10:28 PM
Roberteg, should I go ahead pay in full now and gw AT&T or eos later?
I would do neither... there have been many people here who have emailed EOS on their ATT accounts only to find out EOS-CCA no longer can collect this for ATT
I will PM you the email accounts, email them
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.