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National Recovery

New Contributor

National Recovery

I currently have a collection account with this agency for BMG Music Service. I read on this board  that if you call them up and pay they will delete off my reports. Has anyone had any success doing this through this collection agency on here? If so I am going to call them tomorrow and get rid of this account. Thanks.


Starting Score: CK 680/ TU FICO 640/ 684 Credit Sesame
Current Score: CK 680/ June 2011 TU 640 FICO/ 684 Credit Sesame
Goal Score: 700


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Message 1 of 8
7 REPLIES
Regular Contributor

Re: National Recovery

Well thats what they told me when I paid so now im just waiting to see if it gets deleted.

Message 2 of 8
Valued Member

Re: National Recovery

I wouldn't just call them up and pay.  I'd get it in writing via a PFD.  Search around for a template on these forums.  It's always better to get everything in writing.

2/18/2010 - EQ: ??? TU: ??? EX: 509 (pulled by employer)
2/10/2011 - EQ: 586 TU: 601 EX: 549 (FAKO)
Message 3 of 8
New Contributor

Re: National Recovery

Yes I sent them a PFD letter and they turned around and sent me a dunning letter. I will have to call them and see what goes on today when I get home. I heard success stories of them deleting once payment has been made.


Starting Score: CK 680/ TU FICO 640/ 684 Credit Sesame
Current Score: CK 680/ June 2011 TU 640 FICO/ 684 Credit Sesame
Goal Score: 700


Take the FICO Fitness Challenge
Message 4 of 8
Valued Member

Re: National Recovery

Have you sent them a DV letter? I had to deal with them too.  They were reporting a small balance on my EQ and EX reports and had the OC listed as Capital Management Ventures.  About 2 months ago I sent them a well worded DV CMRR and they quickly folded. No longer on any of my reports.

 

If I were you I'd send a DV first and then go from there.

 


Starting Scores: TU: 605 EQ: 562 EX: 596
Current Scores: TU: 605 EQ: 562 EX: 596
Goal Score: 760+


Message 5 of 8
Community Leader
Epic Contributor

Re: National Recovery

Sending you a dunning letter at this stage looks very suspicious.  That was required of them within 5-days of any initial communication wih you or initial posting to your CR.

Did they ever do that?

Message 6 of 8
Regular Contributor

Re: National Recovery

Definitely do DV with them.  I remember BMG was on my report and I was a minor when I signed up for their service.  I disputed it and it was deleted.

Closed on my 1st home on: 11/30/2011
First Guaranty Mortgage Corporation (FGMC)
Starting Score:Equifax: 490 (01/14/2011)Transunion: 498 (01/14/2011)
Current Score: Equifax: 609(07/09/2012) Transunion: 644 (10/14/2011) Experian: 593 Lender Pull (08/22/2011)

Goal Score: 700

Take the FICO Fitness Challenge


Message 7 of 8
New Contributor

Re: National Recovery

I never received a dunning letter from them ever. I have moved in the past 2 years but never remember them sending me any letters. I am going to send them a DV letter and see what their response is. I disputed this account with the bureaus and they all came back verified.


Starting Score: CK 680/ TU FICO 640/ 684 Credit Sesame
Current Score: CK 680/ June 2011 TU 640 FICO/ 684 Credit Sesame
Goal Score: 700


Take the FICO Fitness Challenge
Message 8 of 8