Credit Card Center Advertiser Disclosure†
04-08-2013 07:02 PM
So, I want to preface this by saying not only am I new to this, you might deduce that I'm not the sharpest tool in the shed, so no need to inform me of this as you read it
I had an account go into collections in 2010, from AT&T to EOS-CCA. The account was closed out - not a late payment. I moved to another continent and it got lost in the shuffle.
The debt was for $469. I recently received an amnesty debt forgiveness of $281. I followed the link and signed in, wanting to get on this and have it gone, and saw the dollar amount I owed on the screen was not the amnesty amount($281), but the original debt amount($469). Like an idiot, I signed in and paid the $281. I then called CCA to ask if this would clear out the debt, and was told by the operator that she saw the payment and would update the claim as paid, but would not be able to remove it unless I paid the remaining $187 dollars over the phone, which I refused. How bad did I screw myself? Like I said, I'm dumb with this stuff and brand new to it. Is there any way to request the item be removed, or is it gonna stay until the deletion date?
Any information would be appreciated. Sorry for the long post, hope it makes sense..
04-08-2013 07:34 PM
Your debt is paid. What you did was accept a settlement and they updated to paid. Being paid doesn't remove a collection from your report.
They are telling you if you pay the remainder they will remove it. I would call them back and see if they will still honor that.
You can try a GW and see if it works for the amount you did pay.
Welcome to the forums.
04-08-2013 07:43 PM
I would be willing to pay the remainder as suggested, but the operator told me the only payment accepted would taken on the phone. I was under the impression this should never be done that way. Is that correct?
If I was misinformed, I will gladly try that way!
04-08-2013 07:50 PM
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.