Re: Collection Removed then Re-Added
10-12-2012 12:17 AM
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
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
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
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX