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Paying off collection account.

New Member

Re: Paying off collection account.

I offered to pay #2 to not report...and then #2 started listing me with a dispute comment on #2.  No movement on #1 for 2 years.

Message 11 of 17
Moderator Emeritus

Re: Paying off collection account.


DaveyTech wrote:

I offered to pay #2 to not report...and then #2 started listing me with a dispute comment on #2.  No movement on #1 for 2 years.


I'm confused. Did you mean "...and then #1 started listing me with a dispute comment on #1"?

 

Is #2 reporting?

Message 12 of 17
Highlighted
New Member

Re: Paying off collection account.

Yes sorry if I didnt make that clear.  In my update yesterday (post # 8) all of that pertains to #2.  #2 started listing me after I offered to pay #2 the full asking amount if they would not list me.  They are the ones reporting me with the "dispute" tag.  

 

Nothing is happening with #1 right now, they have had me listed for years, but nothing has changed with them.  Hope that clears it up.

Message 13 of 17
Moderator Emeritus

Re: Paying off collection account.

Ah got it. Skimmed over it.

 

So, #2 and #1 are reporting. IMO, #1 should not report at all. If you DV'd both, just wait it out. #1 should disappear. #2 would likely verify and when they do, send a PFD via mail.

Message 14 of 17
New Member

Re: Paying off collection account.

Yes I figure after a DV for #1 I could get that removed.

 

I just cant believe that #2 started reporting me after I offered to pay them in full.  Now I have a fresh collections accnt on my report.  Im also not too optimistic about a PFD if they didnt accept my first offer to "pay for not listing me".  

 

This may have just screwed me out of my mortgage.

Message 15 of 17
Moderator Emeritus

Re: Paying off collection account.

MCM was probably going to report no matter what. Still worth going through the process though. If approaching a mortgage, then I wouldn't wait for the DV results and I would launch into PFDs. I'd also search around for GW success. I don't recall too many posts with MCM at $0. Maybe they are open to deleting.

Message 16 of 17
New Member

Re: Paying off collection account.

Yea I think I will go right for a PFD and see if they bite, or else just pay it off and GW them.  Thanks for your help.

Message 17 of 17