@Anonymous wrote:First I would like to thank the Myfico community for the great information posted on this site!! I have been able to increase my scores over 65 points accross the board since 2/04/2016 thanks to the information I've read here!!This is the last collection on my Equifax report. It is being reported by SOUTHWEST CREDIT SYSTEMS, L.P in the amount of $150. I know comcast doesn't typically sell their accounts to Debt collectors. I contacted Comcast with the hope of paying them directly, and having the debt recalled( I've successfully done this before). When I called Comcast they had no record of an account that I owed $150, only the two other accounts that I already paid off and an account for $90. I do not believe the $150 is a legitimate collection, should I distupe? Or due I risk "poking the bear" since it is only currentloy being reported by Equifax? Would a DV be the best option here? Thanks in advance for any responses!!
COLLECTION AGENCY 682YC07664 - - ORIGINAL LENDER Comcast - - ORIGINAL BALANCE $150 - - CURRENT BALANCE $150 - - STATUS Unpaid - - DATE ASSIGNED Jan 10, 2013 - - ACCOUNT NUMBER XXXXXXXX - - ACCOUNT HOLDER Individual - - DESCRIPTION Consumer disputes this account information -
Looks like this has already been disputed at one time or another and come back as verified. A DV doesnt have any effect after the first 30 days of a CA receiving a collection unless you are in TX then they have to validate within 30 days or delete the entry. You could try a DV and see if they respond.
