07-10-2012 11:13 AM
I had a listing of BPHG show up on my CR. It reported in 06/12 with the debt listed from 12/09. I found out that it was Baily's Powerhouse Gym. I was a member, but left in good standing, well, I was pissed at them. They kept not billing my CC then telling me I didn't pay. The account was on auto-pay, so I found it frustrating. I would get stopped at the desk, they would apologize profusely but I had to call in the payment, they couldn't take it at the club.
My question is, by never contacting me, did they violate a law, as the OC? They never sold the debt and still have it. I was going to write them a letter, but the person that helped me identify the company said they are a royal pain to deal with. I figure if I have some leverage, it may help me get this removed.
07-10-2012 11:16 AM
There isn't a law requiring them to contact you. They can choose when, or whether to collect. What does your contract say? Maybe you were on a month-to-month by that point?
07-10-2012 02:22 PM
However, if you have a billing issue, you may have recourse to the separate dispute process under the Fair Credit Billing Act (FCBA), which entitles you to file a dispute with a creditor over their billing activities.
Did they send you a bill for the debt they are now reporting as having been delinquent?
07-11-2012 10:00 AM
They have never sent me a bill or called me. I just found out who they are so I am wondering if I should try getting them removed through the CRAs or contact them. My contract was set dates and didn't go month to month.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.