cancel
Showing results for 
Search instead for 
Did you mean: 

What would you do?

tag
cqdealer711
Frequent Contributor

What would you do?

Ok so on my Equifax report it shows this collection

 

 

Image and video hosting by TinyPic

 

 

 

this entry does not show up on my Experian or my Transunion reports.  However, my Transunion report shows a new collection from a new CA for this account.

 

I DONT remember paying this nor do I have any record of doing so.

 

Best steps to take ?

 

Thanks!



Starting FICO Score: 10/1/12--EQ 512 | TU 492 | EX 524
Current FICO Score: 2/22/14--EQ 705 | TU 703 | EX 716
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 1 of 8
7 REPLIES 7
WhiskeyR
Valued Member

Re: What would you do?

Looks to me like it should be coming off in less than 6 months. I'd forget about it, but others will tell you the debt doesn't go away just because it's not on your report.

 

Unless you're trying to get a mortgage or there's some other reason you need it off your report ASAP, I'd just wait it out.

Message 2 of 8
Leadberry
Established Contributor

Re: What would you do?

Maybe they marked it as paid when they transferred it to the other CA.

   
FICO Scores 800+
Message 3 of 8
Rain77
Frequent Contributor

Re: What would you do?

ETA - read post as you no recollection of account vs. not remembering if paid. 

 

Do you have anything from the OC listed on your report?  I would think they would still be listed at this time, if so, is it still showing a balance?



Last HP 8/29/14

Message 4 of 8
Shogun
Moderator Emeritus

Re: What would you do?

I would send them a DV and maybe even a copy of what you are showing there.  It shows it was paid at least about 2 years ago.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 8
cqdealer711
Frequent Contributor

Re: What would you do?

nothing about the OC listed on any report.

 

 



Starting FICO Score: 10/1/12--EQ 512 | TU 492 | EX 524
Current FICO Score: 2/22/14--EQ 705 | TU 703 | EX 716
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 6 of 8
Rain77
Frequent Contributor

Re: What would you do?

 Do you recall having this account?  I just think it's odd (it could be normal, but just doesn't seem right) that the OC is not reporting, be it paid, transferred/sold.  At least IME  no OC stopped reporting once sold/placed for collection.  All of mine are sitting right there, even after payment.



Last HP 8/29/14

Message 7 of 8
cqdealer711
Frequent Contributor

Re: What would you do?

I recall it yes, i found a few statements that are really old, but nothing in the last few years.  I would certainly remember paying for it I think, however, I dont.



Starting FICO Score: 10/1/12--EQ 512 | TU 492 | EX 524
Current FICO Score: 2/22/14--EQ 705 | TU 703 | EX 716
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 8 of 8
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.