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Here is the deal. Back in 2010 I had a payment agreement with Alliant Energy. I paid all of the installments ontime with the exception of one. I simply did not have the money and I paid them late on the final payment. When I had the money I paid Alliant online on their website. They accepted the payment and I printed the receipt.
Since I paid the OC and they accepted my payment online, shouldn't the CA have to stop reporting? Anyway to fix them. Alliant tells me to talk to the CA and that they can't do anything about it.
Here is what they have been reporting:
H&R ACCOUNTS | ||||||||||
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| H&R ACCOUNTS | H&R ACCOUNTS | ||||||||
Account No.: | 44733** | 44733** | ||||||||
Original Creditor: | 10 INTERSTATE POWER ALLIANT ENERG | 10 INTERSTATE POWER ALLIANT ENERG | ||||||||
Responsibility: | Individual | Individual | ||||||||
Condition: | Paid | Paid | ||||||||
Original Balance: | $258 | $258 | ||||||||
Balance: | $0 | $0 | ||||||||
Date Opened: | 06/28/2010 | 06/28/2010 | ||||||||
Date Reported: | 11/30/2010 | 11/30/2010 | ||||||||
Remarks: | Account information disputed by consumer, meets FCRA requirements | Account information disputed by consumer, meets FCRA requirements |
I'm up in the 680s from low 500s.. I'm trying to dedicate some time to see if I can get to the 700s.
Thanks for the help.
They have reported the collection as paid, $0 balance, which is correct.
They are entitled to "update" prior reporting, including just a reiteration of the correct status. It is not usual to report on a collection that is closed and includes no changes in information, as it is kinda a waste of time, but it is not improper.
So how much do you think this is this affecting my score? It is showing as a collection.
Is a GW letter my only option here?
Thanks for the help.
H & R ACCOUNTS INC. | |
Agency Address: | 7017 John Deere Pkwy Moline, IL 612658072 |
Date Reported: | 11/2010 |
Date Assigned: | 06/2010 |
Creditor Classification: | Utilities |
Creditor Name: | INTERSTATE POWER ALLIANT ENERG |
Account Number: | 447XXXX |
Account Owner: | Individual Account. |
Original Amount Owned: | $258 |
Date of 1 st Delinquency: | 09/2009 |
Balance Date: | 11/2010 |
Balance Owned: | $0 |
Last Payment Date: | 29/10/2010 |
Status Date: | 11/2010 |
Status: | P - Paid |
Comments: | Consumer disputes this account information |
@redhouse69 wrote:So how much do you think this is this affecting my score? It is showing as a collection.
Is a GW letter my only option here?
Thanks for the help.
H & R ACCOUNTS INC. Agency Address: 7017 John Deere Pkwy
Moline, IL 612658072
Date Reported: 11/2010 Date Assigned: 06/2010 Creditor Classification: Utilities Creditor Name: INTERSTATE POWER ALLIANT ENERG Account Number: 447XXXX Account Owner: Individual Account. Original Amount Owned: $258 Date of 1 st Delinquency: 09/2009 Balance Date: 11/2010 Balance Owned: $0 Last Payment Date: 29/10/2010 Status Date: 11/2010 Status: P - Paid Comments: Consumer disputes this account information
yeah.. I think GW is the way to go... some websites advise disputing, but aside from it being inaccurate, I wouldn't dispute because you are trying for some good will from the CA... disputing it could cause that good will to go away, because they had to waste time updating an already paid account.. at least in my opinion a GW should be your first option..
-scott