Credit Card Center Advertiser Disclosure†
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 06:32 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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.