topic Re: NEED HELP BAD!!!! in General Credit Topics

NEED HELP BAD!!!!

Derrick1977 — Tue, 09 Jun 2009 16:22:15 GMT

I had an account with Entergy Mississippi and I moved away to another state.....I paid the last bill off (or at least I thought) and they told me that was the last amount I needed to pay before I moved. Now they say I had a final bill after 2 years and I asked why was I never notified about the bill and they had my forwarding address. They informed me that they sent a bill out but it was to the wrong address. Now they just put it on my credit report yesterday. Is there anything I can do about this. I have never had a problem paying the bill but they never sent me a bill and still haven't sent me one. They just continue to give me a verbal amount and now it appears on my credit report and has brought my credit score down a significant amount. Any advice

Re: NEED HELP BAD!!!!

Anonymous — Tue, 09 Jun 2009 18:47:13 GMT

Who is reporting the OC or a CA?

Re: NEED HELP BAD!!!!

Derrick1977 — Thu, 11 Jun 2009 04:21:32 GMT

The CA is reporting it. I just was notified by My creditkeeper through email and went to my credit report and saw it listed under Experian.

Re: NEED HELP BAD!!!!

DI — Sun, 14 Jun 2009 16:29:56 GMT

Derrick-

I worked for Entergy for a while. Since customers uses the services before its paid for, the bill is always a month behind. When you called and perhaps asked to discontinue service, Entergy sends someone about 2-3 days later. You will recevie a final bill that will consist of the days when your meter was last read up to the date service was turn off. Most of the time when customers move out of state they do not provide a new mailing address. Therefore, Entergy sends the bill to the last address on file. That final bill will remain on your Entergy account until its paid. Although the account has gone to collections you can call Entergy to make the payment directly to them via Bill Matrix.

As for as your credit, maybe after you pay it, you can dispute the item. Good luck!

Message Edited by DI on 06-14-2009 09:29 AM

Re: NEED HELP BAD!!!!

Derrick1977 — Thu, 18 Jun 2009 16:40:25 GMT

Thanks DI. Here is the thing. I provided them with a forwarding address and they never sent one. Then I them to send me a copy of the bill recently (while providing them my new address yet again) before it was placed on my credit report and they never sent it. I have no problem paying this bill but I need to see the bill in writing as well as get it off my credit report. It was put on my credit report as a write-off. Is there anything I can do to get it taken off. I have come to far to see my credit report drop nearly 23 points because of that. PLEASE HELP ANYONE!

Re: NEED HELP BAD!!!!

DI — Thu, 18 Jun 2009 16:56:28 GMT

Most people avoid having a balance left over since Entergy requires a $200 deposit for Mississippi customers. If there is a difference in the balance and deposit, you may have a credit. I'm assuming you had a balance for your final bill. Entergy wait six months if not more to turn an account over to collections. Many customers make the payment directly to Entergy. You can ask for your account number and the QPC. Is the collection agency adding interest to your balance? If not, call and make the payment directly to Entergy and you will be xferred to bill matrix. Once you make the payment, wait a couple of weeks and dispute the account with the CRA. If that doesn't work, have a CSR send a request to speak with a supervisor. The supervisor will call you. S/he would have to submit the request to billing/collections which is the department that handles your situation. Hopefully you can get it deleted by disputing it after payment.

I know how it is trying to get your credit right and have to experience a set back.

Message Edited by DI on 06-18-2009 09:56 AM