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Regular Contributor
whodatnation2
Posts: 226
Registered: ‎11-30-2011

How should I proceed with this collection??

I have a collection for a t-mobile account that is over 1 year old. It was reporting on just one credit report but it recently vanished. I am assuming that it might have been sold. If I were to pay t-mobile directly, would that prevent a new collection agency from putting it on my reports if it has been paid? Any ideas??/


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Moderator
Shogun
Posts: 12,883
Registered: ‎04-15-2011

Re: How should I proceed with this collection??

I think it's worth a shot.  Have you contacted them and asked if they will accept payment?


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Regular Contributor
whodatnation2
Posts: 226
Registered: ‎11-30-2011

Re: How should I proceed with this collection??

I contacted them about 6 months ago and they would then. My question is.....would a collection agency still be able to put it on my report...even as paid??


Starting Score: EQ 564, TU 560
Current Score: EQ 724, TU 770, EX 789
Goal Score: 740


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Moderator
Shogun
Posts: 12,883
Registered: ‎04-15-2011

Re: How should I proceed with this collection??

If they had collection permission at one point, then yes.  However more than likely they wouldn't.  The OC would cancel the assignment and they would have no more authority to collect.


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!

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