Frequent Contributor
JustMe77
Posts: 275
Registered: ‎05-27-2009
Collection Removed then Re-Added
[ Edited ]

In 2010, I disocvered a $64 unpaid collection account from Qwest on my credit report. I still have my old credit report from when I discoverd this, and on that report it showed the "date last active" of June 1, 2008. I disputed it on my reports, which went nowhere. Contacted the collection agency directly and asked them to verify the debt. Apparently they couldn't so it was removed from all 3 reports.  

 

Well, fast forward to July 2012. I got a letter from one of the bureaus saying something negative was now on my report. Checked my report and sure enough, there is now a $64 unpaid collection account from Century Link (they took over Qwest recently) assigned to a collection agency (EOS). It says "date opened" of 3/2012 and "reported since 5/2012". 

 

I don't think I owe Qwest/Century Link $64, which is why I disptued it in the first place. That being said, I did have an account with Qwest in 2008, but have not had an account with Qwest or Century Link since. I'm pretty sure this is the same $64 collection that was removed. I disputed the Century Link collection account a few months ago with the 3 bureaus directly, which didn't help. 

 

I vaguely remember the first collection agency sending me a letter saying they couldn't verify it. I kept it but now can't find it :smileysad:   

 

Do you think it's worth mentioning to the new collection agency that I've already disputed what I think is the same collection account and that couldn't be verified in 2010? Any general advice would be appreciated. Thank you. 

 

 

Current Cards: Capital One Platinum ($2,500), Banana Republic Visa ($5,300), Chase Freedom ($2,000), Amex Zync (NPSL), Discover It ($11,500), Amex Costco True Earnings ($5,000), Chase Slate ($2,500)

Waiting for minor baddies to fall off in 2015!
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Collection Removed then Re-Added

$64?  Try a PFD, that way it will be gone and won't bounce to another CA.  It's a small amount and it's getting on up in years.  Try and get rid of it, you don't even have to offer to pay it in full, offer 50%, see what they say.  


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Valued Contributor
rckstrscott
Posts: 2,659
Registered: ‎04-25-2011
Re: Collection Removed then Re-Added

JustMe77 wrote:

In 2010, I disocvered a $64 unpaid collection account from Qwest on my credit report. I still have my old credit report from when I discoverd this, and on that report it showed the "date last active" of June 1, 2008. I disputed it on my reports, which went nowhere. Contacted the collection agency directly and asked them to verify the debt. Apparently they couldn't so it was removed from all 3 reports.  

 

Well, fast forward to July 2012. I got a letter from one of the bureaus saying something negative was now on my report. Checked my report and sure enough, there is now a $64 unpaid collection account from Century Link (they took over Qwest recently) assigned to a collection agency (EOS). It says "date opened" of 3/2012 and "reported since 5/2012". 

 

I don't think I owe Qwest/Century Link $64, which is why I disptued it in the first place. That being said, I did have an account with Qwest in 2008, but have not had an account with Qwest or Century Link since. I'm pretty sure this is the same $64 collection that was removed. I disputed the Century Link collection account a few months ago with the 3 bureaus directly, which didn't help. 

 

I vaguely remember the first collection agency sending me a letter saying they couldn't verify it. I kept it but now can't find it :smileysad:   

 

Do you think it's worth mentioning to the new collection agency that I've already disputed what I think is the same collection account and that couldn't be verified in 2010? Any general advice would be appreciated. Thank you. 

 

 


I have PMed you contcts to EOS-CCA; they are pretty easy to work with via these contacts

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Frequent Contributor
JustMe77
Posts: 275
Registered: ‎05-27-2009
Re: Collection Removed then Re-Added

Shogun wrote:

$64?  Try a PFD, that way it will be gone and won't bounce to another CA.  It's a small amount and it's getting on up in years.  Try and get rid of it, you don't even have to offer to pay it in full, offer 50%, see what they say.  


I know, ridiculous right? I tried a PFD with the first CA but didn't get anywhere. 

 

Scott - thank you for the PM.

Current Cards: Capital One Platinum ($2,500), Banana Republic Visa ($5,300), Chase Freedom ($2,000), Amex Zync (NPSL), Discover It ($11,500), Amex Costco True Earnings ($5,000), Chase Slate ($2,500)

Waiting for minor baddies to fall off in 2015!