What is left for me to handle. *updated*

[ThetoriParadox]

That is a good idea, I bet if I paid ARM they wouldn't report, as they have only even sent out that one correspondence. I will mail them and see what I can finagle. Thanks! 

[Lechte]

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@ThetoriParadox wrote:

That is a good idea, I bet if I paid ARM they wouldn't report, as they have only even sent out that one correspondence. I will mail them and see what I can finagle. Thanks! 

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I bet that they probably wouldn't either.   Good luck and update on what you find.

[couponcrazy619]

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@Lechte wrote:

If FP is still showing a balance, then they still own the debt and ARM is more than likely one of their internal CA...if not then FP is in violation for reporting a balance on an account they no longer own.   I would contact FP and ask them what's goin on there and see if they will recall the debt from the CA.

AAOA calculation....All accounts opened and closed (including CO's...excluding CA's and PR's).   From the dates opened until now...add up all your accounts by months...then divide that number by how many accounts you have...then take that number and divide it by 12...and that'll give you your AAOA.   Note:  FICO rounds your AAOA down...3.65 years would = 3 years.

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i have an old FP charge off that is reporting a bal. When i call to ask for info they tell me that jefferson capital has the count. But Jefferson isn't reporiting on my credit. FP debt is from 2011. So should i tell FP that they need to report to zero bal?

[Lechte]

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@couponcrazy619 wrote:

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@Lechte wrote:

If FP is still showing a balance, then they still own the debt and ARM is more than likely one of their internal CA...if not then FP is in violation for reporting a balance on an account they no longer own.   I would contact FP and ask them what's goin on there and see if they will recall the debt from the CA.

AAOA calculation....All accounts opened and closed (including CO's...excluding CA's and PR's).   From the dates opened until now...add up all your accounts by months...then divide that number by how many accounts you have...then take that number and divide it by 12...and that'll give you your AAOA.   Note:  FICO rounds your AAOA down...3.65 years would = 3 years.

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i have an old FP charge off that is reporting a bal. When i call to ask for info they tell me that jefferson capital has the count. But Jefferson isn't reporiting on my credit. FP debt is from 2011. So should i tell FP that they need to report to zero bal?

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Jefferson is the CA that FP assigned the debt to collect on their behalf.  As long as FP hasn't sold the debt, they can still report whatever balance is owed.  Has Jefferson contacted you?

[couponcrazy619]

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@Lechte wrote:

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@couponcrazy619 wrote:

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@Lechte wrote:

If FP is still showing a balance, then they still own the debt and ARM is more than likely one of their internal CA...if not then FP is in violation for reporting a balance on an account they no longer own.   I would contact FP and ask them what's goin on there and see if they will recall the debt from the CA.

AAOA calculation....All accounts opened and closed (including CO's...excluding CA's and PR's).   From the dates opened until now...add up all your accounts by months...then divide that number by how many accounts you have...then take that number and divide it by 12...and that'll give you your AAOA.   Note:  FICO rounds your AAOA down...3.65 years would = 3 years.

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i have an old FP charge off that is reporting a bal. When i call to ask for info they tell me that jefferson capital has the count. But Jefferson isn't reporiting on my credit. FP debt is from 2011. So should i tell FP that they need to report to zero bal?

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Jefferson is the CA that FP assigned the debt to collect on their behalf.  As long as FP hasn't sold the debt, they can still report whatever balance is owed.  Has Jefferson contacted you?

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;they sent me a letter with an offer to repay the debt with a fresh start program....other then that i haven't gotten a letter or calls. 

[Lechte]

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@couponcrazy619 wrote:

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@Lechte wrote:

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@couponcrazy619 wrote:

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@Lechte wrote:

If FP is still showing a balance, then they still own the debt and ARM is more than likely one of their internal CA...if not then FP is in violation for reporting a balance on an account they no longer own.   I would contact FP and ask them what's goin on there and see if they will recall the debt from the CA.

AAOA calculation....All accounts opened and closed (including CO's...excluding CA's and PR's).   From the dates opened until now...add up all your accounts by months...then divide that number by how many accounts you have...then take that number and divide it by 12...and that'll give you your AAOA.   Note:  FICO rounds your AAOA down...3.65 years would = 3 years.

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i have an old FP charge off that is reporting a bal. When i call to ask for info they tell me that jefferson capital has the count. But Jefferson isn't reporiting on my credit. FP debt is from 2011. So should i tell FP that they need to report to zero bal?

---

Jefferson is the CA that FP assigned the debt to collect on their behalf.  As long as FP hasn't sold the debt, they can still report whatever balance is owed.  Has Jefferson contacted you?

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;they sent me a letter with an offer to repay the debt with a fresh start program....other then that i haven't gotten a letter or calls. 

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I would ask FP if they would recall debt and pay them instead.    What I hear is Jefferson can't be trusted...they say one thing yet do another.   I would be persistent with FP if they refuse to recall the debt from Jefferson.   Since they are showing a balance...they do own the debt and they can recall it, don't let them feed you a bunch of bull.

[ThetoriParadox]

original post updated for progress! Got a collection deleted from TU and EX but EQ is taking the full 30 days to investigate... I was told I have a letter from the CA at my parents house... wondering what is inside!!?? Maybe just a bill for the extra fees not paid to the OC when I took care of this original debt.

[gdale6]

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@ThetoriParadox wrote:

original post updated for progress! Got a collection deleted from TU and EX but EQ is taking the full 30 days to investigate... I was told I have a letter from the CA at my parents house... wondering what is inside!!?? Maybe just a bill for the extra fees not paid to the OC when I took care of this original debt.

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Grats to your success

[ThetoriParadox]

Thank you. My scored had tanked well below 600 after that frontier collection appeared. But now im only 4 pts away from 600. As soon as util is down I'm sure ill pop back over.... I hope.