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GAH!! Stellar Recovery....

Established Contributor

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


Take the FICO Fitness Challenge
Message 1 of 8
7 REPLIES
Established Member

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.

Message 2 of 8
Established Contributor

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)

Myfico 8 scores
7/31/16 TU 710 ~ EQ 699~ Ex 705
My Wallet: Cap1 3,500K ~FH 2950 Credit One 1800~Credit one #2 1500.00~Orchard Bank 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 11K ~Care Credit 4,500
Message 3 of 8
Moderator Emeritus

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+
Take the myFICO Fitness Challenge

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 8
Frequent Contributor

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: 6/6/12: TU 585/EQ 472/ EX 561
Current Score: TU04 774, EQ5.0 761/ EXv2 783
New goal 800
Cap1 QS $17k, Chase Southwest- $15k, Discover IT - $40k
Message 5 of 8
Established Contributor

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


Take the FICO Fitness Challenge
Message 6 of 8
Established Contributor

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
Message 7 of 8
Established Contributor

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)

Myfico 8 scores
7/31/16 TU 710 ~ EQ 699~ Ex 705
My Wallet: Cap1 3,500K ~FH 2950 Credit One 1800~Credit one #2 1500.00~Orchard Bank 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 11K ~Care Credit 4,500
Message 8 of 8