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Valued Member
Posts: 26
Registered: ‎07-26-2012
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Help! Two collections account appeared on credit sesame today....out of nowhere :(

I received an alert from credit sesame. I checked my account and I have two collections that posted today. I haven't received any other indication of these accounts, I didn't receive a dunning letter. I am planning to purchase a very badly need vehicle in the next month and I'm afraid this will ruin my chances.

 

What should I do? Should I apply for auto credit before it makes it to my other reports? Thank you for your help in advance.


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Posts: 32,869
Registered: ‎08-04-2007
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Re: Help! Two collections account appeared on credit sesame today....out of nowhere :(

I'd pull all 3 reports to see if they reported. I would also take steps now. They don't have to send a dunning before reporting, but must send one now since they just engaged in collection activity. I would send a DV letter ASAP.

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Registered: ‎04-15-2011
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Re: Help! Two collections account appeared on credit sesame today....out of nowhere :(

Get those DVs out, they would be considered timely at this time.


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