I've been working on the negs on my report with some great success, but I'm having issues with 2 accounts. Both are with divisions of AT&T and are in collections with 2 different CAs.
The first CA is EOS CCA. They have sent various settlement offers to me to pay anywhere from 1/3 to 2/3 what is owed. I have absolutely no problem paying the debt in full (now that I am able to) but only request that by doing so they delete their reportings to the bureaus. I've had great success doing this exact same thing with 2 other companies (RJM was a cinch), but this company is claiming that they aren't able to do this. Can anyone give me any further advie on this one? I find it hard to believe that one CA is able to do something that another isn't. Has anyone had luck with EOS CCA?
The second is CMI (credit management, lp). This is for AT&T home entertainment equipment. It took me awhile (2 years...oops) to figure out what this collection was for. I spoke with AT&T regarding the matter and they are sending me a shipping label to send it back to them in. However, when I inquired about having the collection deleted, the representative explained that it would only be changed to a collection that has been satisfied in full since it has been longer than 100 days. Is this in fact a rule? Is it possible for me possible for me to get more progress in speaking further with CMI?
Any advice would be much appreciated, my husband and I are shopping for homes right now and I'd love to bring my score up so it can be on the mortgage.
