06-20-2012 06:30 PM
Here are my FAKOs as this moment.
Experian - 600 down 76 points more on this
All of the sudden a collection from ENHANCED RECOVERY show up in Experian and dropped my FAKO to 600.
It could have not popup in the worst time, whats the best course to take.
The community prompt help is really needed and appreciated.
06-20-2012 06:30 PM
06-20-2012 06:32 PM
Is it true if they set a TERM.. It's a violation since there was no term agreed upon?
06-20-2012 06:35 PM
06-20-2012 06:58 PM
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.
06-20-2012 07:03 PM
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.
06-20-2012 07:04 PM
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.
06-20-2012 07:05 PM
So can they put a term?
06-20-2012 07:17 PM
ENHANCED RECOVERY CO L
Potentially Negative Closed
Mailing Address: 8014 BAYBERRY RD JACKSONVILLE, FL 32256
|Account Name||ENHANCED RECOVERY CO L|
|Account Type||Collection Department / Agency / Attorney|
06-20-2012 07:27 PM
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.