topic Re: General question in General Credit Topics

General question

Anonymous — Mon, 11 May 2009 15:13:38 GMT

Hi all,

My question is, If lets say I have a cell phone bill for $131.00 which was in collections with verizon, Then a CC tries to collect several years later, can they add a whole different line for the exact same account they may have bought? Here is what I'm referring to on my report:

PINNACLE CREDIT SERVICES L Equifax TransUnion Experian

Account Type:

Open Installment Account Number: FX00XXXX FX00XXXX

Payment Responsibility:

Individual Individual Date Opened: 09/2008 09/2008

Balance Date:

04/2009 04/2009 Balance Amount: $131 $131

Monthly Payment:

$0 High/Limit: $131 $131 Account Status: Collection Collection Past Due Amount: $131 $131

Comments:

COLLECTION ACCOUNT LAST REPORTED DELINQUENCIES: 04/2009=I ,03/2009=I ORIGINAL CREDITOR: VERIZON WIRELESS COLLECTION ACCOUNT

This is the original account,

VERIZON WIRELESS - NY Equifax TransUnion Experian

Account Type:

Open Account Number: 104XXXXXXXXXX

Payment Responsibility:

Individual Date Opened: 04/2000

Balance Date:

04/2007 Balance Amount: $131

Monthly Payment:

$0 High/Limit: $131 Account Status: Collection Past Due Amount: $131

Comments:

LAST REPORTED DELINQUENCIES: 11/2006=O9,09/2006=O9,08/2006=O9 CONSUMER DISPUTES THIS ACCOUNT INFORMATION CHARGED OFF ACCOUNT

Re: General question

llecs — Mon, 11 May 2009 15:21:19 GMT

Both can report, but only one (the CA) can report a balance. I would DV the CA and call VZW. VZW has the power to recall this CA and calling them could facilitate that. It may be that Verizon Wireless sold it to Pinnacle. If that's the case, then you could get VZW to delete.

Re: General question

Anonymous — Mon, 11 May 2009 15:35:32 GMT

Thanks again these are the only 2 neg lines on my report. Scores at median of 624 and have been working to get back on track. Maybe buy a house this year.

Re: General question

llecs — Mon, 11 May 2009 15:40:14 GMT

VZW isn't all that unwaivering. Be very friendly and persistent with them. Calling them would provide you with a wealth of info, if you ask the right questions. I was able to get a PFD with them in part to the dozens of phone calls (and letters, faxes, and e-mails) I made to them.

Re: General question

Anonymous — Mon, 11 May 2009 17:13:26 GMT

What can I do if both the original company Verizon and the CA are both showing balances for the same account.

I just noticed that Verizon Wireless still shows a balance of $131.00 and the CA Pinnacle also states a balance of $131.00. Pinnacle even has a note stating its the Verizon Wireless bill thats charged off.

Re: General question

llecs — Mon, 11 May 2009 17:41:19 GMT

I'd still DV the CA and call VZW asking for info. Both cannot report a balance.

Re: General question *****UPDATED GOOD NEWS..

Anonymous — Thu, 14 May 2009 14:18:04 GMT

So Verizon wireless called me today and after speaking to them on the phone just yesturday, I used this number 1-800-760-4658 to call them, they called me back this morning and said the TL will be removed and its already been submited.. Nice.. All I said to them yesturday was there was a big misunderstanding and I was willing to pay right now in full she said she would check into it and then actually called me back this morning saying I had to pay nothing and it was being deleted. So does this mean Pinnacle will no longer be able to TL me and have to remove there TL? I'm DV'ing them as suggested.

THANKS VERY MUCH LLECS !!!!!

Message Edited by gregd64 on 05-14-2009 07:18 AM

Re: General question *****UPDATED GOOD NEWS..

llecs — Thu, 14 May 2009 16:17:52 GMT

Sounds like VZW sold the debt at one point and it ended up with Pinnacle. VZW has an SOP of deleting themselves if they sold the debt. You may have to deal with Pinnacle. I would hold off doing anything and wait a month or so. If Pinnacle is still reporting, then DV and offer a PFD if they verify.