topic Re: Unique National Collections in General Credit Topics

Unique National Collections

Anonymous — Wed, 02 Jan 2008 16:39:24 GMT

I had a fine with a library that I just paid. I called the library today and they said that they had received my check and that it should be "automatically deleted" with Unique. Does anyone have a phone number to this ca? I can't seem to find it. I want to call and make sure everything has been taken care of.

Re: Unique National Collections

Anonymous — Tue, 06 Jan 2009 19:50:30 GMT

finally found it... its:

UNIQUE MANAGEMENT SERVICES, INC.
TRADE NAME: UNIQUE NATIONAL
COLLECTIONS
PERMIT NUMBER: 3058
119 EAST MAPLE STREET
JEFFERSONVILLE, IN 47130
EDITED to remove a personal name

(812) 285-0886

Just in case someone does a search

Message Edited by llecs on 01-06-2009 02:50 PM

Re: Unique National Collections

jj15 — Wed, 02 Jan 2008 18:30:05 GMT

Has the Unique already reported you? Cause if it's already on your credit report, it won't be deleted for 7 years.

Re: Unique National Collections

Anonymous — Wed, 02 Jan 2008 18:31:59 GMT

Its on there but I've been on the phone with a supervisor (listed above) and it can be deleted. I just have to contact the library and have them call UNC to have it take off. She said otherwise it would have to be on there as a pif for 12 months and they would take it off for me.

Re: Unique National Collections

jj15 — Wed, 02 Jan 2008 18:35:49 GMT

That's a new one on me. I'm dealing with the same issue and the library told me to write a letter to all 3 CRAs and ask them to investigate and remove, and then it would fall off. This is the most frustrating situation cause it seems everyone you talk to has a different story. Let me know what happens! Good luck.

Re: Unique National Collections

Anonymous — Wed, 02 Jan 2008 18:48:04 GMT

Yea I've had a lot of people tell me that unc is a horrible ca to work with. Call that number above (its sort of a backdoor number from what i can tell) The lady I talked with was extremely nice. How long ago was the collections for? Mine is fairly new (less than 60 days) that may be the difference on our situations.

Message Edited by AlishaR on 01-02-2008 10:48 AM

Re: Unique National Collections

jj15 — Wed, 02 Jan 2008 19:43:22 GMT

Mine was originally reported in November of 2006. The problem is I didn't know about it until I looked at my credit report in 2007 and noticed I had been sent to collection. I never got any notice because the had an old address. I paid it off in November of 2007. Maybe it's too old.

Message Edited by jj15 on 01-02-2008 11:43 AM

Re: Unique National Collections

Anonymous — Wed, 02 Jan 2008 19:45:44 GMT

Just leave it alone now.. unless the original debtor will call UNC to have it deleted, there's nothing you can do. UNC will not delete. HOWEVER, if you no other collections with them (and you may want to call and make sure you are @ 0 balance) they will delete it in 12 months from the date of payment. I just got off the phone with the library, they will not have it deleted only marked as paid so now its going to be on there until 1/2009. All well, at least its not 7 years.

Re: Unique National Collections

Anonymous — Wed, 02 Jan 2008 20:27:19 GMT

I also have a issue with UNC, per Becky she would delete it once I pay the account with QueensBoro Library, called again today once i saw this post and she did tell me call her back once the account has been paid.(assigned 06/04).She seemed really nice about removing it.

Re: Unique National Collections

jj15 — Thu, 03 Jan 2008 19:59:25 GMT

So you haven't paid it yet sasmith?

Re: Unique National Collections

Anonymous — Thu, 03 Jan 2008 21:05:17 GMT

AlishaR wrote:
She said otherwise it would have to be on there as a pif for 12 months and they would take it off for me.

Well that confirms my 12 month window from the other thread re: Unique.

Thanks!

Re: Unique National Collections

Anonymous — Sat, 05 Jan 2008 03:42:33 GMT

@jj15 wrote:
So you haven't paid it yet sasmith?

No, this should have been the first acct taken care of,
but got lost "translating" my credit report.
Taking care of it this weekend, keeping my fingers crossed.

Re: Unique National Collections

Junejer — Sat, 05 Jan 2008 03:58:31 GMT

Sasmith:

Before you pay the CA, make sure that you get in writing that they are going to remove. That way, if they don't do it, you have the letter from them, on their letterhead that states their intentions. You can send these to the CRAs and have them removed, in the likely event that they don't do what they say (go figure).

Message Edited by ByrdMan on 01-04-2008 07:58 PM

Re: Unique National Collections

SecondWind — Tue, 06 Jan 2009 18:34:46 GMT

I tried the backdoor number too and got a Becky to answer. My library account was paid off and she told me that after 1 year, the CA TL would automatically be deleted. After I pressed a bit, she said that if the OC contacted Unique saying that my original debt was incorrect, the CA TL could be axed sooner than the 1 year.

Next step for me is contacting the library hoping I can gain some ground there.

Maybe you'll have better luck with Becky, sasmith! Let us know what happens.

Message Edited by SecondWind on 01-06-2009 10:34 AM

Re: Unique National Collections

Junejer — Tue, 06 Jan 2009 19:38:51 GMT

Wow secondwind, you dug this up out of the archives for real. That was one of my first posts here. Surprisingly, it makes some sense.

Re: Unique National Collections

MBOhio2 — Thu, 10 Feb 2011 16:00:17 GMT

My husband has a collection with UNC so now I'm digging out this old post too!

He has a $77 library fee that is now a collection on his credit report with UNC. I am going to send a PFD letter to UNC. However, two questions:

1) Has anyone had PFD success with UNC?

2) Is there any reason I shouldn't email a PFD letter?

Re: Unique National Collections

SecondWind — Thu, 10 Feb 2011 16:57:19 GMT

UPDATE to my last post:

I contacted the library that had sent me to collections originally. Since the debt was paid off, I felt that I could appeal the good senses of the library people. Anyway, I had lots of communication with the library via email, originally with the staff manager, who eventually escalated the problem up to a higher director. LONG story short, the director did something and contacted Unique and the tradeline was deleted in less than a month from all the bureaus.

I guess the point of the story is that Unique will delete the item quickly at the behest of the library; so I guess you might want to consider developing a good relationship with your local library management.

I know that's not really the answer to your question but maybe it can provide some alternatives in case the PFD doesn't work.

Re: Unique National Collections

MBOhio2 — Thu, 10 Feb 2011 18:43:19 GMT

Actually, that's very helpful!

This is on my husband's credit report so I called him and he reminded me that he did pay this a few months back and the library said they would have it deleted. While they obviously did not, he is going to follow up with the library to see if he can get it removed that way.