Reply
Established Member
Posts: 20
Registered: ‎08-12-2010
0

Sprint/West Asset Management

[ Edited ]

Basically I owe $268 to Sprint (won't go into why I can't trust my brother anymore). West Asset Management have been calling, and have reported on my credit reports.

I tried dealing with WAM - DV, PFD, even talked to them - but I seem to be getting nowhere.

I was able to find out that Sprint still owned the bill.

If I call Sprint and they are willing to take payment, that doesn't mean WAM has to stop reporting to my credit reports, correct?

If I pay Sprint directly, would WAM receive any of the compensation?

 

Basically I want to know if I can use the fact that I can pay the OC as a way to get the CA to accept my PFD.  That way everyone gets there money, and I get it off of my report.

 

Sidenote: Definitely within SOL.  Want to try everything before paying and then having to send GWs and hope for the best.


Starting Score: TU: 655 EQ: 701 (12/2010)
Current Score:TU: 673 EQ: 701 EX: 675 (2/2011)
Goal Score: TU: 720 EQ: 750 EX:720


Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,063
Registered: ‎05-26-2010
0

Re: Sprint/West Asset Management

If WAM was assigned a bill you owe, they cannot keep reporting an open balance if you pay the OC and they accept the payment.  But they can mark it paid and leave it on your report because it is accurate.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Established Member
Posts: 20
Registered: ‎08-12-2010
0

Re: Sprint/West Asset Management

[ Edited ]

yeah i was just wondering if anyone had tried using the fact that they could pay the OC to get the CA to accept a PFD.

if the CA gets no commision from the OC because they didn't collect it, they might be more likely to delete for my payment to them.


Starting Score: TU: 655 EQ: 701 (12/2010)
Current Score:TU: 673 EQ: 701 EX: 675 (2/2011)
Goal Score: TU: 720 EQ: 750 EX:720


Take the FICO Fitness Challenge
Valued Member
Posts: 30
Registered: ‎06-19-2010
0

Re: Sprint/West Asset Management

 


stizzlerizzle wrote:

yeah i was just wondering if anyone had tried using the fact that they could pay the OC to get the CA to accept a PFD.

if the CA gets no commision from the OC because they didn't collect it, they might be more likely to delete for my payment to them.


WAM is the devil. I tried that very same logic with them and they didn't care.  I believe your choices are to either bug WAM with PFDs until they accept, or work your way up the Sprint food chain and find someone who is willing to instruct WAM to delete if you pay.

 


Starting Score (7/7/10): EQ: 566 -- TU: 612
Interim Score (9/9/10): EQ: 603 -- TU: 614 -- EX: 654 (Lender)
Interim Score (11/5/10): EQ: 604 -- TU: 651 -- EX: 641 (FAKO)
Current Score (11/15/10): EQ: 598 -- TU: 670 -- EX: 632 (Lender)
Goal Score (12/31/10): EQ: 650 -- TU: 700
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.

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.