topic Re: Need a Collection Agency Phone # please!!! in Rebuilding Your Credit

Need a Collection Agency Phone # please!!!

Anonymous — Fri, 03 Dec 2010 20:07:27 GMT

I am trying to pay off a old medical collection on my Credit Report. The collection agency is simply known as STANISCCONTR. A phone number is the only thing stopping me from paying these guys off....and then just 3 more medical bills to pay off on my report before I am CLEAN!!!! Can someone please help me out?

Re: Need a Collection Agency Phone # please!!!

Anonymous — Fri, 03 Dec 2010 23:23:40 GMT

I can not help you with a phone number as I have never dealt with them. An alternate way would be to contact the original OC (hospital, doctor, etc) that performed the services as they may have a contact phone number for them. It may be possible they still own the debt and can assist you in paying it off.

Re: Need a Collection Agency Phone # please!!!

Anonymous — Sat, 04 Dec 2010 00:25:05 GMT

Called the original as suggested....and it worked! Debt is paid in full!!! Now on to the next one. THANK YOU!!!

Re: Need a Collection Agency Phone # please!!!

Anonymous — Sat, 04 Dec 2010 00:57:30 GMT

Your welcome.

Re: Need a Collection Agency Phone # please!!!

MarineVietVet — Sat, 04 Dec 2010 01:57:49 GMT

@Anonymous wrote:
I am trying to pay off a old medical collection on my Credit Report. The collection agency is simply known as STANISCCONTR. A phone number is the only thing stopping me from paying these guys off....and then just 3 more medical bills to pay off on my report before I am CLEAN!!!! Can someone please help me out?

I'm glad this worked out for you. You didn't say where you got your CR but reports from third party sites often don't have the most complete information. If you pull your free reports from annualcreditreport.com or from each CRA you might get the full dtata you need. Just for future reference.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Need a Collection Agency Phone # please!!!

Anonymous — Tue, 07 Dec 2010 17:18:10 GMT

marine: the more detailed report was from a Morgage lender helping me out....there is a detailed list of all the other creditors that were listed on my report...but nothing from that creditor.

Re: Need a Collection Agency Phone # please!!!

MarineVietVet — Tue, 07 Dec 2010 17:19:58 GMT

@Anonymous wrote:
marine: the more detailed report was from a Morgage lender helping me out....there is a detailed list of all the other creditors that were listed on my report...but nothing from that creditor.

I see. Well I hope you get this worked out.

Re: Need a Collection Agency Phone # please!!!

Anonymous — Tue, 07 Dec 2010 19:09:19 GMT

Marine: It is now worked out. Now I am comparing my scores...which vary from 615 all the way down to 520. One agency shows 12 years of positive accounts that help me greatly and give me hope of raising my score ( I now have several low credit cards in good standing and a auto loan in good standing to help with faithful payments), I have been paying off all my ex-wifes med. bills on my collections, there was 15 at the start of the year, now its down to around 6. I suppose the only thing I can do now is just continue paying off the collections, and continue making all my payments on time.

My goal is to have my 615 (transunion) up to a 670-690 by start of 2012. And the low ender (experian), which are not reporting my longer credit history (just recent history), which is very disheartening, but my goal is to have that score up to 620 by 2012. I wish they would be more consistent. Its frustrating. Any suggestions with that Experian Account not reporting my older (positive) credit history?

Re: Need a Collection Agency Phone # please!!!

MarineVietVet — Tue, 07 Dec 2010 19:37:55 GMT

@Anonymous wrote:
Marine: It is now worked out. Now I am comparing my scores...which vary from 615 all the way down to 520. One agency shows 12 years of positive accounts that help me greatly and give me hope of raising my score ( I now have several low credit cards in good standing and a auto loan in good standing to help with faithful payments), I have been paying off all my ex-wifes med. bills on my collections, there was 15 at the start of the year, now its down to around 6. I suppose the only thing I can do now is just continue paying off the collections, and continue making all my payments on time.
My goal is to have my 615 (transunion) up to a 670-690 by start of 2012. And the low ender (experian), which are not reporting my longer credit history (just recent history), which is very disheartening, but my goal is to have that score up to 620 by 2012. I wish they would be more consistent. Its frustrating. Any suggestions with that Experian Account not reporting my older (positive) credit history?

A few comments.

Just paying off collections won't help your scores although it is nice not to owe that money. Unpaid and paid collections are scored the same.

As far as Experian not reporting all your accounts that is something you'll need to take up with the creditors. The CRA's can only report the information that is supplied to them.

Are you saying you have an Experian score? May I ask where you bought it? No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only.

Also where did you get your TU score? You can only buy true FICO scores at a few places. One place is here at myFICO. I suggest you do an internet search for "myfico discount codes" to save a little money. You can also purchase your Transunion score at www.transunioncs.com. At www.equifax.com EQ will still sell you an EQ FICO score but they make it very hard to find.

Re: Need a Collection Agency Phone # please!!!

Anonymous — Tue, 07 Dec 2010 21:29:10 GMT

for my experian score...if you call their phone number, they will give you a website to go to. Its www.experian.com/now

There you can purchase your score and report. I just did it this morning. The TransUnion was done through myfico. I have the quarterly monitering subscription. I realize that paying off the collections won't help my score, but I won't get approved for a home loan in a couple years with collections on them. I've had a couple mortgage lenders already tell me that they need to see ALL Collections "paid or settled" to even be considered. They said even with a descent score they would still need to see the collections taken care of to get approved for a home loan.

So since March of 2010 I've been steadily paying off the creditors...down to 6!!! Originally had 15+....every single one was from a ex wife who had anxiety and went to ER about once every other month.

Re: Need a Collection Agency Phone # please!!!

llecs — Tue, 07 Dec 2010 21:40:45 GMT

@Anonymous wrote:
for my experian score...if you call their phone number, they will give you a website to go to. Its www.experian.com/now

The score offered through there is a FAKO called a PLUS score. Your FICO could be higher or lower. A lendder just pulled my EX FICO and compared to the same day with the PLUS score, my PLUS was 50 points lower. YMMV.

Re: Need a Collection Agency Phone # please!!!

Anonymous — Tue, 07 Dec 2010 22:16:42 GMT

I very have zero respect for Experian.

Re: Need a Collection Agency Phone # please!!!

MarineVietVet — Tue, 07 Dec 2010 22:49:55 GMT

@Anonymous wrote:
for my experian score...if you call their phone number, they will give you a website to go to. Its www.experian.com/now

There you can purchase your score and report. I just did it this morning. The TransUnion was done through myfico. I have the quarterly monitering subscription. I realize that paying off the collections won't help my score, but I won't get approved for a home loan in a couple years with collections on them. I've had a couple mortgage lenders already tell me that they need to see ALL Collections "paid or settled" to even be considered. They said even with a descent score they would still need to see the collections taken care of to get approved for a home loan.

So since March of 2010 I've been steadily paying off the creditors...down to 6!!! Originally had 15+....every single one was from a ex wife who had anxiety and went to ER about once every other month.

I thought that might be the reason for paying these collections. Many people applying for a mortgage have to do the same thing.

And as already stated the Experian score is useless. But your TU score is fine.

Re: Need a Collection Agency Phone # please!!!

Anonymous — Tue, 07 Dec 2010 23:04:45 GMT

Thank you guys for the wisdom. I've been reading these forums throughout the year to help with my Credit Re-Build. The experian score (the Fako) was disheartening...but I will continue to simply focus on the TU and EQ scores that I have through myFico. With your guys' help and my faithful payments to the past (and future), I'm sure I'll be in a comfy new home in a couple years.

Re: Need a Collection Agency Phone # please!!!

Anonymous — Tue, 07 Dec 2010 23:07:41 GMT

FYI...whenever I do pay off a creditor I make them fax me a proof of payment and a promise to make the update asap to my report. SInce I started this several (about 3 or 4) have removed there collection from my report completely!!! Thats been really encouraging!

Re: Need a Collection Agency Phone # please!!!

Anonymous — Tue, 09 Apr 2013 20:18:23 GMT

The answer to your question is 800-838-7227