Reply
New Member
AnneFu
Posts: 4
Registered: ‎08-17-2007
0

Managing a Collection

This happened over a year ago and I am still ticked off at myself for it. I canceled my Time Warner service and they were supposed to mail me a box so that I could mail the modem back. They never mailed the box and I just kept the modem. A few months later I pulled up my credit report and saw the collection. I immediately called the agency and paid the $50. Is there anything I can do to get it removed? My score is 644 and my other score, Equifax, I think, is 730 and that report doesn't show the collection so it's obviously having a dramatic effect. Do I have any options?

Collection agency [?]Original balance [?]Current balance [?]Date assigned [?]Original lender [?]Account number [?]Account holder [?]

682YC04711
$50
$0
Feb, 2012
Time Warner Cab
XXXXXX8194
Individual
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: Managing a Collection

New Member
AnneFu
Posts: 4
Registered: ‎08-17-2007
0

Re: Managing a Collection

Thank you for your reply. For anyone wondering - here is a wonderful link about what GW letters are: http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Sto...

My only other question - how do I find out who the collection agency is? I only have the code and nothing comes up via Google.

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: Managing a Collection

Pull your report from annualcreditreport.com if you haven't got your free ones yet or directly from the CRAs if you have.  You may be able to contact the CRA by phone and ask who it is.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+