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OC vs CA

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Readyforchange
New Contributor

OC vs CA

I just called Sprint and provided them with an account number for old cell phone bill. The rep was able to give me the balance on the account which match what AFNI has. The rep told me I can pay the balance directly with Sprint. How can I pay the balance with Sprint if AFNI owns the account?

Starting Score: EQ-543
Current Score: EQ-622, TU- 619, EX? 10/13/13 EX Lender pull 637
Goal Score: 650



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pizzadude
Credit Mentor

Re: OC vs CA


@Readyforchange wrote:

I just called Sprint and provided them with an account number for old cell phone bill. The rep was able to give me the balance on the account which match what AFNI has. The rep told me I can pay the balance directly with Sprint. How can I pay the balance with Sprint if AFNI owns the account?


Sometimes OCs will use CAs to help collect the debt, but they still keep the debt on their books.   So if Sprint will let you pay, then I would pay them rather than dealing with a CA.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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