cancel
Showing results for 
Search instead for 
Did you mean: 

EOS CCA.. help?

tag
wesconsin
Member

EOS CCA.. help?

So, i'm very new to this 'caring about credit' thing... and yes I'm ashamed of not caring until now.

 

Anyways, on my Experian report, EOS CCA has a balance for me of around $800.  I have no idea what it is, or anything like that.  It also says the account is 'Potentially Negative Closed'.

 

 

The reason I am posting is because I see a lot of threads with this company, and a lot of success stories... can I do anything to help myself here?


Starting Score: 545
Current Score: 545
Goal Score: 680


Take the myFICO Fitness Challenge
Message 1 of 12
11 REPLIES 11
GoldenEye
Established Member

Re: EOS CCA.. help?

I'm having the same issue as you. I see some people have success with contact information on this forum. I have yet to see any info though. I'm looking forward to riding my CR of EOS CCA.
Message 2 of 12
fishbjc
Senior Contributor

Re: EOS CCA.. help?

Read through the threads, it may take digging. 

Message 3 of 12
GoldenEye
Established Member

Re: EOS CCA.. help?

I checked about ten of them. All I saw were people asking for PM's of the information. Maybe there us something I'm missing
Message 4 of 12
wesconsin
Member

Re: EOS CCA.. help?

that's kind of exactly what I was thinking.... I feel out of the loop


Starting Score: 545
Current Score: 545
Goal Score: 680


Take the myFICO Fitness Challenge
Message 5 of 12
guiness56
Epic Contributor

Re: EOS CCA.. help?

The one person that I know has the contact, I haven't seen him on in a little while.

 

There isn't going to be any information in the thread itself, it is all PM'd.  If you find anyone he sent it to PM them and see if they respond.

Message 6 of 12
wesconsin
Member

Re: EOS CCA.. help?

So if its a valid debt reporting I will have to pay it off first right? Or do they sometimes just close it off just to get rid of it? 

 

I'm really very new to this all, and I'm very confused as to how it all works, and what the tricks are.  Should I just wait 7 years for it to drop off?


Starting Score: 545
Current Score: 545
Goal Score: 680


Take the myFICO Fitness Challenge
Message 7 of 12
guiness56
Epic Contributor

Re: EOS CCA.. help?

I am not sure of the process that was used for this particular CA.

 

But, in general, if it is a valid debt, yes it needs to be paid.  You can offer them a Pay for Delete.  You pay, they delete.  Or pay it then send GW letters asking for the TL to be removed.

 

Sometimes, after no success in collections attempts, the CA will return the debt to the OC and they must then delete the TL, based on the credit reporting guide.  The OC would then assign or sale the debt to another CA.

 

Even if you waited 7 years for it to drop off your report, it would still be a debt that was owed.  Collections don't go away, they can attempt to collect forever.

Message 8 of 12
wesconsin
Member

Re: EOS CCA.. help?

Now that is something good to know, the 7 year rule doesn't really help.

 

 

 

Thank you for your replies and thank you for the link to common abbreviations.  I'm checking it with every post because I'm so lost lol.


Starting Score: 545
Current Score: 545
Goal Score: 680


Take the myFICO Fitness Challenge
Message 9 of 12
guiness56
Epic Contributor

Re: EOS CCA.. help?

You can post a pic of the account you need help with and someone will help you.

 

When did the account go delinquent?  What is your state SOL for suing?

 

 

Message 10 of 12
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.