topic Re: Please Help With Collection Account in Rebuilding Your Credit

Please Help With Collection Account

Anonymous — Tue, 06 Sep 2011 22:40:50 GMT

Hi everyone. I really need help with a medical account that is affecting my score. This collection was only being reported to EQ. I sent a PFD letter to the CA and now they are reporting to all credit bureaus!! My scores dropped because of it. I offered half of the total amount owed. I did not recognize the debt as being mine. Did i offend them and this is there way of getting back at me ? Do i send a PFD with the full amount ? Please help. The comments on the account say: Account Resolved; consumer disagrees?

Re: Please Help With Collection Account

mxp114 — Tue, 06 Sep 2011 23:49:53 GMT

If you did not recognize the debt, you weren't suppose to offer to PFD. I don't know if you can still do a DV on an account you offered to PFD. Did you actually consent and agree with the CA or just offer to PFD in general? I hope you didn't reset SOL. Is SOL expired? Need more info to properly assist you.

Re: Please Help With Collection Account

Anonymous — Wed, 07 Sep 2011 00:34:56 GMT

I dont know if the SOL is expired. On my Eq report it is says: Date Opened: 12/05......Balance Date: 4/06.. Now on my transunion it says New. I actually got the template for the PFD from the files here. Did I do something wrong?

Re: Please Help With Collection Account

Denny33142 — Wed, 07 Sep 2011 02:54:53 GMT

I had something very similar happen to me recently, i had a collection account reporting since early 2010 and it was reporting only on EQ, i sent them a DV letter and 2 weeks later they reported the account to TU and EX in addition to EQ where it was already reporting.

Now i am knocking myself in the head for sending the DV letter

Re: Please Help With Collection Account

Booner72 — Wed, 07 Sep 2011 03:00:21 GMT

AH! Jeesh. That sucks. I've often wondered if that kind of thing happened. IDk if they are intentionally being jerks, or inadvertently didn't send it to the 2nd CRA - and when they responded to the dispute, re-sent to both, or even all three?