topic Re: Sprint problems! in Rebuilding Your Credit

Sprint problems!

Anonymous — Tue, 27 Dec 2011 22:57:10 GMT

Hello everybody!

Happy Holidays! So my new year’s resolution is to clean up my credit (which is pretty bad). I started out by ordering my three free credit reports from the FTC. While reviewing this I found out that I have 4 different accounts in collections for an old Sprint bill for $773. The DOFD on this was 10/08 which is outside the SOL. I am trying to find the best way to clean this up. Below are the four collection agencies.

W.C.I. – Redmond, WA
Enhanced Recovery Company – Jacksonville, FL
Convergent Outsourcing – Renton, WA
ER Solutions – Renton, WA

I am not sure which CA currently owns the account. If I pay one will the other three come off my CR? Thank you so much for all of your help!

Re: Sprint problems!

Anonymous — Wed, 28 Dec 2011 00:48:28 GMT

@Anonymous wrote:
Hello everybody!

Happy Holidays! So my new year’s resolution is to clean up my credit (which is pretty bad). I started out by ordering my three free credit reports from the FTC. While reviewing this I found out that I have 4 different accounts in collections for an old Sprint bill for $773. The DOFD on this was 10/08 which is outside the SOL. I am trying to find the best way to clean this up. Below are the four collection agencies.
W.C.I. – Redmond, WA
Enhanced Recovery Company – Jacksonville, FL
Convergent Outsourcing – Renton, WA
ER Solutions – Renton, WA
I am not sure which CA currently owns the account. If I pay one will the other three come off my CR? Thank you so much for all of your help!

Convergent Outsourcing at one time was ER Solutions so they are the same company. Only one of their listings should be on your report.

What does it say about the others? Did they sell the debt to another CA?

What state are you currently in?

Re: Sprint problems!

Anonymous — Wed, 28 Dec 2011 01:46:01 GMT

I have two on each report Exp: Enhanced Recovery & ER Solutions TU: Convergent & Enhanced Recovery EQU: Enhanced Recovery & W.C.I. I am in Virginia, however, as I understand it there is a two year federal SOL on cell phone bills. I believe the debt was sold from one CA to another. I would like to get the duplicate report removed and if I can remove both even better. Thanks in advance for your help!

Re: Sprint problems!

Anonymous — Wed, 28 Dec 2011 02:09:08 GMT

If one CA sold it to another you probably cannot have it removed. The 2 that are the same company you might be able to dispute as duplicates since they changed their name.

As for the SOL, I used to believe that US Code applied to cell phones. But, as it was written many years ago, and no mention of cell phones is in it, I no longer believe that. As far as I know, no one has ever used the 2 year SOL as a defense. Most cell phones are under written contracts.

Re: Sprint problems!

Anonymous — Wed, 28 Dec 2011 02:29:08 GMT

I see... well if that's the case would my best bet be to find out who owns the debt, pay it, and have both accounts come out of collections?

Re: Sprint problems!

Anonymous — Wed, 28 Dec 2011 03:00:25 GMT

Only one CA can actively collect any debt at a time.

You can find out who owns it and ask for a PFD. Only the CA currently collecting can remove their TL. You can try a GW, once its paid, to the other one.