What is the difference between "Neg's & Collections"? Plus a look at whats on my RP

[Anonymous]

On my EQ CR it shows

Negatives-1

Collections 7

Wouldn't the collections be negatives? What should I do about the collections? I could pay them today, but want to know if I need to take other staps whilst paying them in order to get them off my report for good. Here is what is what;

Negative

Company/Account Name: CAPITAL ONE  Company Address/Phone: PO Box 5253, Carol Stream,  IL 601975253
(800) 477-6000  Account Number: XXXXXXXXXXXXXXXX Date Opened: 09/01/06 Last Activity: 09/01/08 Type: Revolving or Option  Rate/Status: Pays account as agreed High Credit: $1,134 Terms: N/A Balance: $0 Past Due: $0 Most Recent Date Reported: 08/01/14 Comments on Account: Consumer disputes this account information , Closed or Paid Account/Zero Balance , Settlement accepted on this account , Pd/Closed

Collections;

STELLAR RECOVERY INC  Agency Address: 1845 US Highway 93 S
Kalispell, MT 599015721
(800) 954-0226 Date Reported: 12/2012  Date Assigned: 11/2012  Creditor Classification: Retail  Creditor Name: COMCAST  Account Number:   Account Owner: Individual Account.  Original Amount Owned: $67  Date of 1 st Delinquency: 10/2012  Balance Date: 12/2012  Balance Owned: $67  Last Payment Date: N/A  Status Date: 12/2012  Status: D - Unpaid  Comments: Consumer disputes - reinvestigation in progress

FROST ARNET  Agency Address: 480 James Robertson Pkwy
Nashville, TN 372191212
(615) 256-7156 Date Reported: 08/2014  Date Assigned: 01/2013  Creditor Classification: Medical/Health Care  Creditor Name: ANESTHESIA SPECIALIST HOUSTO  Account Number:   Account Owner: Individual Account.  Original Amount Owned: $110  Date of 1 st Delinquency: 06/2012  Balance Date: 08/2014  Balance Owned: $110  Last Payment Date: N/A  Status Date: 08/2014  Status: D - Unpaid  Comments: Medical

NCO HEALTHCARE  Agency Address: PO Box 15393
Wilmington, DE 198505393
(800) 709-8613 Date Reported: 12/2013  Date Assigned: 10/2013  Creditor Classification: Medical/Health Care  Creditor Name: MEMORIAL HERMANN HOSPITAL SYST  Account Number:   Account Owner: Individual Account.  Original Amount Owned: $1,137  Date of 1 st Delinquency: 07/2012  Balance Date: 12/2013  Balance Owned: $1,137  Last Payment Date: N/A  Status Date: 12/2013  Status: D - Unpaid  Comments: Medical

SPECIALIZED COLLECTION SER  Agency Address: PO Box 441508
Houston, TX 772441508
  Date Reported: 03/2013  Date Assigned: 11/2012  Creditor Classification: Medical/Health Care  Creditor Name: TEXANS ANESTHESIA ASSOCIATES  Account Number:   Account Owner: Individual Account.  Original Amount Owned: $129  Date of 1 st Delinquency: 07/2012  Balance Date: 03/2013  Balance Owned: $129  Last Payment Date: N/A  Status Date: 03/2013  Status: D - Unpaid  Comments: Medical

SPECIALIZED COLLECTION SER  Agency Address: PO Box 441508
Houston, TX 772441508
  Date Reported: 03/2013  Date Assigned: 11/2012  Creditor Classification: Medical/Health Care  Creditor Name: TEXANS ANESTHESIA ASSOCIATES  Account Number:   Account Owner: Individual Account.  Original Amount Owned: $45  Date of 1 st Delinquency: 07/2012  Balance Date: 03/2013  Balance Owned: $45  Last Payment Date: N/A  Status Date: 03/2013  Status: D - Unpaid  Comments: Medical

SPECIALIZED COLLECTION SER  Agency Address: PO Box 441508
Houston, TX 772441508
  Date Reported: 02/2013  Date Assigned: 10/2012  Creditor Classification: Medical/Health Care  Creditor Name: HOUSTON PATHOLOGY ASSOCIATES  Account Number:   Account Owner: Individual Account.  Original Amount Owned: $86  Date of 1 st Delinquency: 05/2012  Balance Date: 02/2013  Balance Owned: $86  Last Payment Date: N/A  Status Date: 02/2013  Status: D - Unpaid  Comments: Medical

CREDITORS COLLECTION BUREA  Agency Address: PO Box 63
Kankakee, IL 609010063
  Date Reported: 09/2012  Date Assigned: 05/2012  Creditor Classification: Medical/Health Care  Creditor Name: NORTHWESTERN ORTHOPAEDIC INSTI  Account Number:   Account Owner: Individual Account.  Original Amount Owned: $126  Date of 1 st Delinquency: 10/2010  Balance Date: 09/2012  Balance Owned: $126  Last Payment Date: N/A  Status Date: 09/2012  Status: D - Unpaid  Comments: Medical

SOUTHERN CREDIT RECOVERY  Agency Address: 3228 6th St # 201
Metairie, LA 700021612
(800) 877-8326 Date Reported: 11/2009  Date Assigned: 09/2009  Creditor Classification: Medical/Health Care  Creditor Name: LSU HEALTHCARE NETWORK  Account Number:   Account Owner: Individual Account.  Original Amount Owned: $151  Date of 1 st Delinquency: 04/2009  Balance Date: 11/2009  Balance Owned: $151  Last Payment Date: N/A  Status Date: 11/2009  Status: D - Unpaid  Comments: Medical

FINANCIAL CONTROL SERVICES  Agency Address: 6801 Sanger Ave Ste 195
Waco, TX 767107804
(254) 772-6111 Date Reported: 05/2009  Date Assigned: 02/2009  Creditor Classification: Medical/Health Care  Creditor Name: MEDICAL ANESTHESIA ASSOCIATES  Account Number:   Account Owner: Individual Account.  Original Amount Owned: $150  Date of 1 st Delinquency: 05/2008  Balance Date: 05/2009  Balance Owned: $150  Last Payment Date: N/A  Status Date: 05/2009  Status: D - Unpaid  Comments: Medical

[kjel]

A negative on EQ is an account that has a late payment history, charge-off, repo, foreclosure, etc. The CapOne TL you listed appears to have been settled and likely had a negative payment history.

Collections, while also negative, fall into their own category. It appears that most of yours are medical and for relatively small amounts. I'd start negotiating PFDs for the small amounts or see if the health care provider can recall the account and you can just pay them directly. I've had success with NCO doing a PFD. For medical collections you can also try the HIPAA process, but you will have to search for it as it's not to be discussed here.

[Anonymous]

on the Cap One Charge off. Am I correct in that it should be deleted from my CR on 1/2015?

Company/Account Name: CAPITAL ONE  Company Address/Phone: PO Box 30281, Salt Lake City,  UT 841300281  Account Number:   Date Opened: 02/01/06 Last Activity: 01/01/08 Type: Revolving or Option  Rate/Status: Bad Debt; placed for collection; skip High Credit: $1,143 Terms: N/A Balance: $1,825 Past Due: $1,825 Most Recent Date Reported: 08/01/14 Comments on Account: Charge off account , Account closed by credit grantor , Amount in high credit is original charge-off amount

[kjel]

---

@Anonymous wrote:

on the Cap One Charge off. Am I correct in that it should be deleted from my CR on 1/2015?

Company/Account Name: CAPITAL ONE  Company Address/Phone: PO Box 30281, Salt Lake City,  UT 841300281  Account Number:   Date Opened: 02/01/06 Last Activity: 01/01/08 Type: Revolving or Option  Rate/Status: Bad Debt; placed for collection; skip High Credit: $1,143 Terms: N/A Balance: $1,825 Past Due: $1,825 Most Recent Date Reported: 08/01/14 Comments on Account: Charge off account , Account closed by credit grantor , Amount in high credit is original charge-off amount

---

Yes. You can also request early exclusion within 6 months of it falling off.

[Anonymous]

Is this something I can call them and ask for? I tried to call them but could not get through without a transaction number. How were you successful in contacting them via phone?

[Anonymous]

Also, this is a biggie baddie isn't it? When it falls off, all of my other credit cards are current and on time. Will this significantly raise my score?

[AlphaKenny]

---

@Anonymous wrote:

Also, this is a biggie baddie isn't it? When it falls off, all of my other credit cards are current and on time. Will this significantly raise my score?

---

You may or may not see a significant jump in your score after the CO from Cap1 falls off.  Like kjel said, work on the med. collections.  They are much easier to recall from the collectors to pay the OC...HIPPA

And keep up the good work on your current accounts!

[Anonymous]

OC? And by much easier what do you mean, if I may ask? Some people say call and don't admit that you owe, etc, etc. The balances aren't large. I can pay them, I am just not sure how to go about it.  Thanks much!