Comcast + CPA - best route?[ Edited ]
10-10-2012 06:17 PM - edited 10-10-2012 06:18 PM
We are hoping to buy a house in the spring and I got a collections letter from CPA. They stated that they hadn't reported to CR and that I should pay soon so that they do not. I did a quick gut reaction and just paid it, out of fear, to prevent that from happening. I have credit monitoring and nothing had reported. Of course, a week after I pay, they report it. Paid collection, zero balance. I could cry. My credit score has dropped 25 points. This IS a valid debt, it slipped my mind, I forgot about the stupid cable box, and here I am.
Too late to DV, too late to PFD. GW is all I have, correct? Where will I have better luck? CPA? Comcast? Any specific route with Comcast? BBB?
I'm frustrated at the fact that I did the right thing by paying it and they STILL reported it after the fact. I should have known better. I'd have 200 more dollars in my bank account and the same credit score had I just let it be. And maybe a shot at a PFD.
Any advice would be immensely appreciated. I have no idea how this will change our ability to buy a home with a collection under 12 months old.