Credit Card Center Advertiser Disclosure

Valued Member
Posts: 34
Registered: ‎10-19-2012
0 Kudos

Hollywood/Movie Gallery Collection Notices

My wife just received a collection notice from Universal Fidelity, LP for $9.xx at Hollywood from 2009.   She does not believe she had any outstanding late payments. 


I about blew a gasket, as will need to be applying for some bus loans soon (with wife as a co-signer) and my wife has an 800+ credit score; I use to have 750+ but a small medical collections - soon to expire - dropped me to high 690/low 700s.  Anyways, researched it a bit and found this (bottom line, if you don't think you owe it, contest it; apparently the matter cannot be reported on your credit report):


Article on Hollywood Collections

Universal Fidelity Webpage (lot's of info on Hollywood matter, including how to contest)


Here is the email we sent (Since I am doing this for my wife, I emailed them at the address specified on their website):


With respect to the captioned EDP # and Account No: ******, I dispute this debt - I believe I paid all outstanding late payments to Hollywood the last time I rented a movie. 
Please contact me at ***** with any questions. 


Hope this helps others.


Starting Score: Equifax FICO 694
Current Score: June 15, 2014: Equifax FICO 825; June 2013 TransUnion 872, Experian 768
Goal Score: Equifax FICO 750

Take the FICO Fitness Challenge
Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
0 Kudos

Re: Hollywood/Movie Gallery Collection Notices

What you are talking about is debt validation.  Yes they can report it on your credit report but then are supposed to send you a dunning notice if they haven't already.  From the receipt of that notice you have 30 days to dispute the validity of the debt.  Once they receive it, they either validate or stop collection activity.  There are no stipulations that say it has to be deleted.


For your protection, I would never email them.  I would send it CMRR.

Established Contributor
Posts: 653
Registered: ‎01-31-2013
0 Kudos

Re: Hollywood/Movie Gallery Collection Notices

From what I've read, tons of people had Hollywood Video accounts go to collections after they went under.  However, the collection agencies caught a lot of flak for their practices, and some state governments took action.  IIRC, it was stated that Hollywood Video collections cannot be reported to the CRAs per some government action.  Of course, it was advised that you pay the debt if it is indeed yours.  I've been getting letters from West Bay Acquisitions for a while now for a $29.99 collection (ex rented UFC Undisputed 2009 with my card and never returned it  o.O), yet it's not on any of my reports.  I'll get around to paying it here soon...

FICO Scores 800+
Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
0 Kudos

Re: Hollywood/Movie Gallery Collection Notices

I just read an article and yes, it specifically states that no CRA reporting will be done.  It also states that if the consumer disputes the debt it will be dropped.  This is an agreement between Hollywood and all 50 states.

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.