04-13-2007 09:41 AM
04-14-2007 06:15 AM
antredd67 wrote:WOW! That's good to know Brammy, hopefully when my Pacific Bell collection is removed I can see the same point gain.That's weird. Mine was also a Bell account. Showed Att wireless which I never had. I have heard of a lot of people having this kind of issues since the merger.
04-14-2007 06:49 AM
04-14-2007 06:54 AM
That is weird I have an ATT collection on my credit report saying I owe $58 and they will not remove it, so I sent a letter to the CA. Now when that was put on my credit I did take 60 point hit , so maybe I will get that back yeah. The weird thing about my account is that I still have the same number and address that they say went to collections, now everyone knows that if you do not pay your phone bill they will disconnect services. When I called the CA I got some nasty attitude woman trying to explain to me that "SBC/ATT is a billion dollar company and you are calling us about $58, they don't need or care about that little change". WTF!!! She was rude, I was pissed so I hung up.Same thing here. When I called they told me it was a land line so I asked about the dates of service. It was theexact same dates of service that my current phone was under. Never had two phones in my life. They kept trying to insinuate that I had a second line for internet and I'm like, 'Never been a fan of dial-up, have had broadband since it came out with the same company, want proof?' I'm like WTH? I tried calling and negotiating and begging and pleading. Finally I went to the FTC and filed and online complaint and within 30 days it was gone.
04-14-2007 01:33 PM
04-14-2007 01:48 PM
LadyFICO wrote:I wonder if age also has something to do with it. If you have a collection account it is suppose to have less of an impact on your score over time. I would think the sooner you catch it the higher the impact but then again since fico is based on numerous factors you can still have other things going on at the time of the deletion making it seem higher or lower than just that one event i.e. aging of accounts, balances lowering it is a very complex world this FICO thing we all have grown to love.Age definitely has a lot to do with it. I have had collections that were IIB fall off and because those fall off seven years after DOFD, I harrdly noticed a twinge in my FICO score.
04-14-2007 02:27 PM
04-14-2007 02:42 PM
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