Enhanced Recovery Dispute - Made Some Bad Moves[ Edited ]
12-22-2012 05:02 PM - edited 12-22-2012 05:03 PM
First, let me say that this is an awesome forum! I have learned quite a lot about cleaning my report. I am about to get married next year an would like to have my scores in the 700s.
My problem is this: I was reviewing my reports and saw a collections that was assigned to Enhanced Recovery via AT&T for $77. I could not remember this account, as I had just paid an account with AFNI for $400. Confused, I called Enhanced and disputed, the agent on the phone said, "fine, I'll note that you have disputed" and hung up. I immediately called Experian and disputed the charge. Then, after over 7 hours speaking with every department at AT&T trying to get more information on this account, I decided to own the bill.
I was told by a rep at AT&T that if I paid the $77 they would recall the account. I asked the rep numerous times were they sure this could be done (should've got this in writing) and he reassured. I paid the account. When I called back the next day, a new rep said that this could not be done...so that was my mistake.
So...since I paid this account directly with AT&T, have I lost my leverage with Enhanced for PFD or GW? Should I contact Enhanced to see if they have done anything to verify the account? Did I mess up altogether?
At least it's paid.
Thanks for your help!