Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 118
Registered: ‎06-13-2008
0

RPM COLLECTIONS HELP!!!!!!!!!!

I have a collection on my credit report from RPM for an old T-Mobile bill for $792. Has anyone had any luck with PFD. I'm going to pay T-Mobile directly first.


Starting Score: September/2012 TU-496, EQ-456, EX??
Current Score: April/2013 TU-680, EQ-661,


Goal Score: 700 across the boards

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 367
Registered: ‎06-02-2008
0

Re: RPM COLLECTIONS HELP!!!!!!!!!!

Ask TMOB to pull your account from the CA... I had an issue like that, different CA though, and it worked fo rme.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Regular Contributor
Posts: 118
Registered: ‎06-13-2008
0

Re: RPM COLLECTIONS HELP!!!!!!!!!!

Pkay Thanks. I'm going to give it a try and see what happens.


Starting Score: September/2012 TU-496, EQ-456, EX??
Current Score: April/2013 TU-680, EQ-661,


Goal Score: 700 across the boards

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 367
Registered: ‎06-02-2008
0

Re: RPM COLLECTIONS HELP!!!!!!!!!!

[ Edited ]

If it doesn't work out, just give the CA a call, explain to them you want to PFD.  If they accept, have them send you a letter to document the agreement before you pay.  DO NOT GIVE THEM MONEY OVER THE PHONE.  It's in your best interest to keep a record of all payments and such in this process.  Otherwise they will just mark your CR as PAID IN FULL and the mark stays until it eventually falls off.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Regular Contributor
Posts: 118
Registered: ‎06-13-2008
0

Re: RPM COLLECTIONS HELP!!!!!!!!!!

Just called T-mobile and they said they can accept my payment but they can't pull from the collection agency because it has already been written off. The collection agency said they don't PFD. Any advice on what to do???


Starting Score: September/2012 TU-496, EQ-456, EX??
Current Score: April/2013 TU-680, EQ-661,


Goal Score: 700 across the boards

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 367
Registered: ‎06-02-2008
0

Re: RPM COLLECTIONS HELP!!!!!!!!!!

How can they take your payment if they've already charged off the account?  That's kind of odd.  Either way, if it works out that way, then I'd have Tmobile send you a bill, cut them a check, once the check clears, dispute the collection on your reports.  Since you've paid your original creditor, the collections would be invalid.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Regular Contributor
Posts: 118
Registered: ‎06-13-2008
0

Re: RPM COLLECTIONS HELP!!!!!!!!!!

I spoke to a supervisor and she stated they would send a bill, so once I receive it I'm just going to pay and then dispute it. I'm hoping all works out. I will provide an update once evrything is done.


Starting Score: September/2012 TU-496, EQ-456, EX??
Current Score: April/2013 TU-680, EQ-661,


Goal Score: 700 across the boards

Take the FICO Fitness Challenge

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.