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Member
cmabb23
Posts: 12
Registered: ‎11-26-2012
0

Need help with National Credit Systems collection.

My debt is from breaking an apartment lease for work, when originally breaking the lease I agreed to pay 690.00 over a twelve month span.  I had been paying them every month and had paid off 400.00 dollars when I pulled my yearly credit report and noticed a collection from National Credit Systems for the full amount of 690.00.  I sent the apartment a letter stating I would not pay another dime until it was removed from my credit but have yet to receive a response, what are my options here? Any suggestions would be helpful. 

Established Member
chozen28
Posts: 15
Registered: ‎09-20-2012
0

Re: Need help with National Credit Systems collection.

[ Edited ]

Their internal records may show that your close to paying off the $690.00

 

Did you receive a letter from national credit systems detailing the agreement? Or was everything verbal?

 

 

Once the entire $690.00 is paid, they should update the information with the credit bureaus; showing a zero balance.

 

However, they should be reporting immediate payment. I'm hoping that one of the experienced users will tip in on this one.

 

 

 

Member
cmabb23
Posts: 12
Registered: ‎11-26-2012
0

Re: Need help with National Credit Systems collection.

The agreement was verbal with the original creditor.  It's like they sent me to collections the same month I moved out before they even received my first payment, I made payments from Dec-June without any word from them about being late and only discovered the collection account because I pulled my free credit report. 

Valued Contributor
madmann26
Posts: 1,453
Registered: ‎08-30-2012
0

Re: Need help with National Credit Systems collection.

You're probably SOL on this one without anything in writing. If the apartment complex hasn't changed management, you may want to pay them a visit and bring this up to them.

 

NCR will PFD though, if that helps.


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Member
cmabb23
Posts: 12
Registered: ‎11-26-2012
0

Re: Need help with National Credit Systems collection.

I take it back I just found my lease break agreement and it has the 12 month plan on it, would I need to go back to the original creditor or to the CA?

Valued Contributor
madmann26
Posts: 1,453
Registered: ‎08-30-2012
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Re: Need help with National Credit Systems collection.

You need to talk with the OC and ask why they sent it, reference your pay plan agreement and ask that they pull it back, politely of course. :smileyhappy:


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 690|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
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Member
cmabb23
Posts: 12
Registered: ‎11-26-2012
0

Re: Need help with National Credit Systems collection.

Just sent out a copy of the original agreement and receipts from the money orders to the oc, hoping for a quick deletion.  

Member
cmabb23
Posts: 12
Registered: ‎11-26-2012
0

Re: Need help with National Credit Systems collection.

Ended up sending in my receipts and agreement to the collection agency and they have deleted as of today from all three credit reports, thanks everyone I'm 2 for 2 so far.

Valued Contributor
madmann26
Posts: 1,453
Registered: ‎08-30-2012
0

Re: Need help with National Credit Systems collection.

Congrats!!!

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 690|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
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Mega Contributor
RobertEG
Posts: 18,463
Registered: ‎03-19-2007
0

Re: Need help with National Credit Systems collection.

Makes sense!

I dont see that you were actually in arrears of any due date.  They advised the debt was due, and arrangements were made to pay.

Thus, the referral of delinquent debt looks to have been improper.


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