12-27-2011 06:42 PM
My husband of 1 year and I were looking at making a large purchase so we pulled our credit reports last night. Mine is ok, but his has a collections on it that was posted 2/2011. it is on all 3 CRA's the origninal creditor is DirectTV stating he owes $231. About 2 years ago he had DirectTV with his (now ex) wife. when she up and left he could not afford the home or cable TV and he called them and canceled the service paid the account in full and returned all equipment.
They now say he owes them money. So we disputed the charge through the CRA's. He has never revieved any bills/ phone calls or other statements saying he owes this money. Now today he has recieved 3 phone calls trying to varify his phone number.
How can this happen? did the CRA's give his phone number to the collection agency?
Our concern is that he has a few other collections that will be dropping off in January/Febuary/March range. We don't know for certain that the agency calling, is the one calling for Direct TV .. or another agency. He is concerned if he talks to them and it is not the one for Direct TV that it will restart the 7 years over again.
Please help. How can we investigate this collection that is not valid without jepordizing the ones that will fall off in just a few months?
Starting Score: 683
Current Score: 682
Goal Score: 720
Take the FICO Fitness Challenge