Several collection accounts with one CA

[Ravensfan2001]

Hello! My DH has 15 collection accounts with Suburban Credit Corp. Only 6 of them were reporting on EQ, and after he sent a DV, 3 of them got deleted. So 3 remain on his EQ. He sent a PFD for the 3 accounts, then received a response - a list of all 15 unpaid accounts:

2/14/06        34.40

2/10/06      120.60

2/11/06        84.00

1/1/07        107.20

4/6/07        108.80

1/26/07        56.75

4/7/07          36.18

4/9/07            7.18

6/28/07        12.23

1/10/08        61.19

1/29/08        61.19

3/11/08        61.19

3/31/08      159.26

4/21/08        12.23

9/30/08      299.54

The red ones are reported to EQ. All of them are medical, with the exception of the last one, which is a charge-off from a checking account. The credit union still owns that account and is also reporting to the CRAs. How do I handle this? I was thinking of sending another PFD for the same amount ($100) since the CRTP has, or will soon, expire. Ideas?

Also, he sent a PFD to the credit union, and they declined.

[chasmith]

Paying any of the ones reporting without a delete could lower his score by making the negative appear recent. 

The three from 2/2006 become unreportable off next month (7 yrs plus 180 days).  The two from 2007 that are reporting fall off around July and October next year, the one from 2008 falls off around September 2015.  They're so old they might not be hurting his score by a lot.

I hope you haven't "poked the bear" and given them the idea to report the others.  You don't say what the urgency is, I might just sit tight and let them age off while payig all current bills, cleaning up other negatives, and managing utilization on revolving balances down.

[guiness56]

Are the dates you have listed the DoFDs or the day they acquired the accounts?

[Ravensfan2001]

When comparing the dates to his CR, they're DOFD. On the letter, it says "date of service."

[guiness56]

If you can pay them all I would send a PFD offering to pay all of them and not reporting the others.

[Ravensfan2001]

I figured he would have to do that. And from my experience, Suburban does accept PFDs if you pay in full. Thanks!