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Established Contributor
electra
Posts: 573
Registered: ‎10-21-2012
0

GAH!! Stellar Recovery....

...a collection from them just popped up on my EQ.  And maybe the others too. I dunno.  Got a Score Watch alert and went and pulled another my FICO report for EQ.    Says it's for Comcast.  Weird, bc I'm moving and I JUST called them to get service set up yesterday. They said NOTHING about me owing them anything.  I think my ex and I might have had them YEARS ago.    Anyhoo, I got no dunning notice whatsover and they are listing DOFD as 10/12...WTH???

 

The other weird thing is that I got the alert today.  It says it was reported 12/1 but I ran a report just 5 days ago on 12/19 (yes, I'm obsessed) and it wasn't there.  

 

So, I guess I DV?  I for sure never got a dunning notice for this.   Maybe I have some really old balance with Comcast but these guys are CLEARLY reporting an incorrect DOFD bc IF I had a Comcast account (and I'm not positive) then it was years ago.

 

From reading some of the threads it sounds like they are one of the easier ones to PFD so I half feel like doing that even though I don't know if it's really valid.  Just REALLY want a clean report.  AUGH!



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


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Established Member
xqti254
Posts: 16
Registered: ‎11-17-2012
0

Re: GAH!! Stellar Recovery....

They did a PFD over the phone with me. Some will recommend not doing this, but they kept their word with me.

Established Contributor
ktl72455
Posts: 831
Registered: ‎12-09-2012
0

Re: GAH!! Stellar Recovery....

Has anyone had any luck with a GW with them? I have looked all over the boards and this the first I seen Stellar recovery. I am going to try a GW but was hopeing some had input.! I didnt do PFD I did PIF becuase I wasnt on the forum and didnt know any better :-)

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
6/8/14 TU08 666 | EQ08 656 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1000~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 5K
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Forclosure (fall off 1/16)
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: GAH!! Stellar Recovery....

Get the DV sent out.  Then go from there.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
mmmlive1999
Posts: 145
Registered: ‎12-18-2012
0

Re: GAH!! Stellar Recovery....

 


xqti254 wrote:

They did a PFD over the phone with me. Some will recommend not doing this, but they kept their word with me.



I did the PFD over the phone with Stellar last week, and the baddie was gone from all my reports in 2 days.

Starting Score: 06/06/2012:FAKO TU 585/EQ 472/ EX 561
Current Score: TU08 696, EQ5.0 679/ EX08 660
Goal Score: 700 by 12/2014

Cap1 Venture-$3800, Quicksilver-$1750,Chase Freedom-$2200, Discover IT - $1400
Store Cards: Vic.Sec -$650, Walmart-$650 ,Gap $400( as of 9/19/2014)
Established Contributor
electra
Posts: 573
Registered: ‎10-21-2012
0

Re: GAH!! Stellar Recovery....

I already sent them a DV so I guess I have to wait to see how they respond before proceeding.


Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


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Established Contributor
electra
Posts: 573
Registered: ‎10-21-2012
0

Re: GAH!! Stellar Recovery....

Update: just got score watch update saying my score had increased. Pulled a new FICO report and this one is gone!


Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Established Contributor
ktl72455
Posts: 831
Registered: ‎12-09-2012
0

Re: GAH!! Stellar Recovery....

So I am wondering since mine was already paid if I was to call them and ask them nicely over the phone if they would also remove mine since it was paid long ago?  Or If I should just good will them  via a letter?

 

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
6/8/14 TU08 666 | EQ08 656 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1000~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 5K
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Forclosure (fall off 1/16)

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