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Need input on right direction to go with these

Established Contributor

Need input on right direction to go with these

OC is Consumers Enery and they charged off: I owe neither. Before I ever pulled a credit report and knew it was in collections I knew I owed it and sent payment to the

 

Equifax CR shows ( from my fico) but when I did a debt verificaton on eqifax website it shows LJ Ross, same CA as below.

Collection on debt to:

Consumers Energ

                The collection agency "168YC10622" was hired to collect a debt of $294 originally owed to "Consumers Energ" on account number "XXXXXXX".             

Collection agency [?] 168YC10622 Original balance [?]     294 Current balance [?]     0 Date assigned [?]       Sep, 2009 Original lender [?]     Consumers Energ Account number [?]       xxxxxxxxx Account holder [?] Individual
                      
$294
$0
Sep, 2009
            Consumers Energ           
            XXXXXXX           
                  

 

 

And Trans Union Shows:

Collection on debt to:

Consumers Energy

                The collection agency "Lj Ross" was hired to collect a debt of $294 originally owed to "Consumers Energy" on account number "XXXXXXX".             

Collection agency [?] Original balance [?] Current balance [?] Date assigned [?] Original lender [?] Account number [?] Account holder [?] Account descriptions [?]
            Lj Ross           
$294
$0
Sep 21, 2009
            Consumers Energy           
            XXXXXXX           
                        Individual                     
Paid collection

 

************************* 

THIS WAS on Trans Union and was also paid off to OC long ago.  This shows on no other report pulled. How should I contact them and what do I say?

 

 

Collection on debt to:

Med1 02 Allegan General Hospital

                The collection agency "Mnyrcyntnwd" was hired to collect a debt of $100 originally owed to "Med1 02 Allegan General Hospital" on account number "XXXXXX".             

Collection agency [?] Original balance [?] Current balance [?] Date assigned [?] Original lender [?] Account number [?] Account holder [?] Account descriptions [?]
            Mnyrcyntnwd           
$100
$100
Jun 02, 2009
            Med1 02 Allegan General Hospital           
            XXXXXX           
                        Individual                     
Placed for collection
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
7/31/16 TU 710 ~ EQ 699~ Ex 705
My Wallet: Cap1 3,500K ~FH 2950 Credit One 1800~Credit one #2 1500.00~Orchard Bank 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 11K ~Care Credit 4,500
Message 1 of 5
4 REPLIES
Moderator Emeritus

Re: Need input on right direction to go with these

Send a GW to both of them.

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 5
Established Contributor

Re: Need input on right direction to go with these

Should I state something like:

 

To whom it may concern,

I paid this debt to Consumers Energy before I noticed you had it in collections. Since it is paid, although not through you, would you mind removing this from all 3 credit reports as a good will measure?

Thanks in advance for your consideration,

xxxxxxx

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
7/31/16 TU 710 ~ EQ 699~ Ex 705
My Wallet: Cap1 3,500K ~FH 2950 Credit One 1800~Credit one #2 1500.00~Orchard Bank 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 11K ~Care Credit 4,500
Message 3 of 5
Moderator Emeritus

Re: Need input on right direction to go with these

While I do like them short and sweet, that may be a bit too short.  Remember in a GW you are attempting to go against policy, to show a human side.  

 

Hello,

 

     While going over my credit reports, I noticed that you had a listing that has been paid.  I ask that you show a gesture of goodwill and remove this posting from my credit report.  " put something personal as to why it went into arrears, but keep it short.

 

    I thank you for your time and look forward to hearing from you.  Wishing you and yours Happy Holidays...   ME.....

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 5
Established Contributor

Re: Need input on right direction to go with these

ok, I just wants sure since the CA never got paidfrom me , the one still shows a balance of 100.00 and I wasnt sure if I should DV them or GW them!!

 

Thanks Shogun! I am off to work on 2 more GW letters!

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
7/31/16 TU 710 ~ EQ 699~ Ex 705
My Wallet: Cap1 3,500K ~FH 2950 Credit One 1800~Credit one #2 1500.00~Orchard Bank 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 11K ~Care Credit 4,500
Message 5 of 5