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On my way to getting a house now this - Please help ENHANCED RECOVERY

Regular Contributor

On my way to getting a house now this - Please help ENHANCED RECOVERY

Here are my FAKOs as this moment.

Experian - 600 down 76 points more on this

Equifax 659

Transunion 659

 

All of the sudden a collection from ENHANCED RECOVERY  show up in Experian and dropped my FAKO to 600.

 


Experian®
Equifax®TransUnion®
 
Account NameENHANCED RECOVERY CO LNo Data Returned
For This Bureau
No Data Returned
For This Bureau
Account #XXXXXXXX
Account TypeCollection Department / Agency / Attorney
Balance$230.00
Date Opened5/1/2012
    
Account StatusClosed  
Mo. Payment 
Past Due$230.00
Payment StatusSeriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
High Balance 
Limit 
Terms1 Month
Comments

 

 

It could have not popup in the worst time, whats the best course to take. 

 

The community prompt help is really needed and appreciated.

 

Current Score: EQ 694(Fako), EX 676(Fako),TU 729
Goal Score: 750 across the board
Message 1 of 31
30 REPLIES
Valued Contributor

Re: On my way to getting a house now this - Please help ENHANCED RECOVERY

PFD

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 2 of 31
Frequent Contributor

Re: On my way to getting a house now this - Please help ENHANCED RECOVERY

Is it true if they set a TERM.. It's a violation since there was no term agreed upon?

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 3 of 31
Highlighted
Regular Contributor

Re: On my way to getting a house now this - Please help ENHANCED RECOVERY

They did that to me too....today!
EQ FICO 564 (3/12) Lender pull 673 (4/12) FICO 703 (6/13)
TU FICO 605 (6/12) to FICO 687 (3/13) Lender pull 680 (4/13)
EXP FICO lender pull (4/13) 651
Homeowner since September 2013!
Message 4 of 31
Regular Contributor

Re: On my way to getting a house now this - Please help ENHANCED RECOVERY

I was able to find out who was the OC, it was for ATT internet from 2005, I'm in Texas can I send them a DV and can someone PM a sample of this/

 

Also like someone asked before, can they report a month term,??

 

I hope I get some good advice. My bank already run the credit and did not mention the collection.

Current Score: EQ 694(Fako), EX 676(Fako),TU 729
Goal Score: 750 across the board
Message 5 of 31
Moderator Emeritus

Re: On my way to getting a house now this - Please help ENHANCED RECOVERY

Ditto to the PFD. Or if you have time, wait for it to drop. If it was a CO from 2005, then it'll drop soon anyway.

 

Third-party reporting, like what was posted by OP, is often inaccurate. For more details, pull from the CRAs directly or annualcreditereport.

Message 6 of 31
Contributor

Re: On my way to getting a house now this - Please help ENHANCED RECOVERY

I think the statue of limitations would have expired inyour state.  This sounds like a re-aged debt which can be disputed and removed from your report.  I had to enlist the help of a credit repair company to take care of the problem, but they were able to do it. 

 

vlaw

Message 7 of 31
Frequent Contributor

Re: On my way to getting a house now this - Please help ENHANCED RECOVERY

So can they put a term?

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 8 of 31
Regular Contributor

Re: On my way to getting a house now this - Please help ENHANCED RECOVERY

Here is the report from Experian, no mention of OC.  I was able to find the OC cause I was about to dispute with Experian and then it shows ATT as the OC. I had ATT internet back in 2005 and ATT cell back in 1999 so not sure what this about. Should I complain to BBB , disputing to the credit bureus might cause a dispute remark to show on my reports which  is not good under a mortgage process so I found out., Smiley Happy
ENHANCED RECOVERY CO L

Potentially Negative Closed

800-496-8941 
Mailing Address: 8014 BAYBERRY RD   JACKSONVILLE, FL 32256
     
Account NameENHANCED RECOVERY CO L  
Account #XXXXXXX  
Account TypeCollection Department / Agency / Attorney  
Balance$230.00  
Date Opened5/1/2012  
         
  Account StatusClosed  
  Mo. Payment   
 Close Account DetailsPast Due$230.00  
  Payment StatusSeriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department  
  High Balance   
  Limit   
  Terms1 Month  
  Comments

Current Score: EQ 694(Fako), EX 676(Fako),TU 729
Goal Score: 750 across the board
Message 9 of 31
Regular Contributor

Re: On my way to getting a house now this - Please help ENHANCED RECOVERY

Have you received a dunning notice from Enhanced Recovery?  I noticed on June 1 they reported on my CR's for a collection also to AT&T for $139.  I waited 2 weeks to give them time to send the dunning notice.  My understanding is that a dunning notice is supposed to be sent within 5 days of initiating collection activity and I think it has been ruled that CR reporting is considered collection activity.  I sent them a DV letter.  It should be considered timely since no dunning notice has been sent and I also filed a BBB complaint.  Within 2 days of filing the BBB complaint, I got a response from Enhanced Recovery saying they were going to delete and sent me the confirmation number.  I also had another account from Enhanced Recovery deleted last week from my CR although I don't know why.  This was before my DV letter and BBB complaint and was a different account.  If you did not receive a dunning notice, you might want to try a BBB complaint.  

Starting Scores TU 7/30/09 FICO 493 EQ 9/5/10 FICO 477 EX 11/14/2011 (lender pull) 575
Current Scores TU 5/31/2014 FICO 671 EQ 7/5/14 FICO 667 EX 5/31/2014 658 FICO
Goal Scores 700 across the board
Message 10 of 31