Reply
Established Contributor
Posts: 786
Registered: ‎09-15-2008
0

I have a problem with EXPERIAN and a paid collection

Ok, long story short ( i have posted the whole story here a few times), I paid a collection that I knew wasn't valid (stolen identity). I just pulled my EX FICO yesterday and noticed a 13 point jump. The paid collection now lists as a credit account, not collection. TU does not report this way and EQ deleted it all together. I  mean I like the fact the now two out of three reports show NO collections (one on TU), but I am wondering now if I can dispute it and they will end up deleting all together?

Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: I have a problem with EXPERIAN and a paid collection

Pull a report directly from EX to see how it is showing before disputing.

 

Did you file police report or ID theft affidavit? If so, you can use that to remove accounts associated with the ID theft.

 

If they are reporting incorrectly, I would file complaints with the BBB, your AG, and their AG.

-----------------------------------------------------------------------------------------------------
Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources
Established Contributor
Posts: 786
Registered: ‎09-15-2008
0

Re: I have a problem with EXPERIAN and a paid collection


sidewinder wrote:

Pull a report directly from EX to see how it is showing before disputing.

 

Did you file police report or ID theft affidavit? If so, you can use that to remove accounts associated with the ID theft.

 

If they are reporting incorrectly, I would file complaints with the BBB, your AG, and their AG.


I have done all the filing and no one would help. I even called TMobile and they claim that the evidence shows I opened the cellular account in 2006, even though I already had Sprint at that time. I got sick of arguing so I paid it directly to the CA. They reported it paid ( I tried over and over for a PFD). My biggest question right now is, being that they are now reporting as a revolving account instead of a cleection:

 

1. Is it better to have it listed as a paid "CO" debt or a PAID collection?

2. How can I go about gettting it deletd?


Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: I have a problem with EXPERIAN and a paid collection

[ Edited ]

Have you asked T-mobile for this evidence?

 

If you filed police reports and ID theft affidavits, did you send copies to the CA or CRA?

 

Check out FCRA 605(B)

 

The FTC has sample letters to send to them on their website.

 

DEFEND: Recover from Identity Theft

 

If they are reporting incorrectly, and you are willing to follow through, you can send an ITS giving them X days to report accurately or remove from your report or you are filing suit. Then file suit if they don't.

 

As far as which is better, I really have no clue if one is better than the other. ETA: Regular TL count in age and collections reporting correctly(by a CA under collections) do not. So, I guess that would be the reason for your increase in score, your AAoA increased.

 

This is the CA reporting, right? Or the OC?

 

Message Edited by sidewinder on 01-03-2009 06:39 PM
-----------------------------------------------------------------------------------------------------
Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources
Established Contributor
Posts: 786
Registered: ‎09-15-2008
0

Re: I have a problem with EXPERIAN and a paid collection

YEs, it is the CA reporting. The funny thing is TMobile never supplied me with anything and I just recently opened a new account with them (no deposit).


Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.