topic Re: Credit Solutions, LLC in Rebuilding Your Credit

Credit Solutions, LLC

Anonymous — Wed, 25 Jul 2012 14:33:16 GMT

Over the weekend, I had 3 new baddies pop up on my TU report. They're 3 collections - 1 for $78, and 2 for $150.

I believe that they are mine and were incurred for hospital services a few years ago - a hospital that was my current employer at that time. It was my understanding then that the fees would be deducted from my paycheck - apparently this didn't happen.

So no longer employed there, but maintaining a good relationship with their billing department over the years - I gave them a call. The hospital said that they would pull the collections back into their system and away from Credit Solutions. So I paid them over the phone with them, the original creditor.

Next, I made the mistake of contacting the CA via phone. They were rude and demanded $100 more than the $377 I've alrady paid. She said they were unpaid and the would be on my TU report until I paid. I advised her that the debt had been settled with the original creditor and I was putting them on notice. I attempted to explain to her that I talked directly with the hospital, and they confirmed the amount owed.

I DV'd them and also reported them to the BBB and FTC - although I doubt either will do any good.

So I called TU customer service to open a dispute if necessary on the amounts reported by the CA, since they're paid. TU said they showed no tradeline items from Credit Solutions, LLC or any company with a similar name. Could they have been removed that quickly? I have confirmed that TU was where they were reported.

If I get a response from the DV letter, I'm sure it will be interesting..

Any thoughts?

Re: Credit Solutions, LLC

ceejx — Wed, 25 Jul 2012 14:45:35 GMT

@Anonymous wrote:
Over the weekend, I had 3 new baddies pop up on my TU report. They're 3 collections - 1 for $78, and 2 for $150.

I believe that they are mine and were incurred for hospital services a few years ago - a hospital that was my current employer at that time. It was my understanding then that the fees would be deducted from my paycheck - apparently this didn't happen.

So no longer employed there, but maintaining a good relationship with their billing department over the years - I gave them a call. The hospital said that they would pull the collections back into their system and away from Credit Solutions. So I paid them over the phone with them, the original creditor.

Next, I made the mistake of contacting the CA via phone. They were rude and demanded $100 more than the $377 I've alrady paid. She said they were unpaid and the would be on my TU report until I paid. I advised her that the debt had been settled with the original creditor and I was putting them on notice. I attempted to explain to her that I talked directly with the hospital, and they confirmed the amount owed.

I DV'd them and also reported them to the BBB and FTC - although I doubt either will do any good.

So I called TU customer service to open a dispute if necessary on the amounts reported by the CA, since they're paid. TU said they showed no tradeline items from Credit Solutions, LLC or any company with a similar name. Could they have been removed that quickly? I have confirmed that TU was where they were reported.

If I get a response from the DV letter, I'm sure it will be interesting..

Any thoughts?

I had AFNIs removed really quick after paying DirecTV directly.. so it's possible.... You could always do an online dispute with TU and it will show you your current credit report and if you find nothing to dispute, just close the window... although TU CSRs are horrible, I had a tradeline fall off during a dispute and called them to let them know and they swore up and down that the tradeline was still there even tho every report I pulled showed it gone.. *shrug* .. so I let it go and got a dispute resolution today saying "no longer on credit file" ...

Re: Credit Solutions, LLC

Anonymous — Wed, 25 Jul 2012 15:07:23 GMT

@seigex wrote:
@Anonymous wrote:
Over the weekend, I had 3 new baddies pop up on my TU report. They're 3 collections - 1 for $78, and 2 for $150.

I believe that they are mine and were incurred for hospital services a few years ago - a hospital that was my current employer at that time. It was my understanding then that the fees would be deducted from my paycheck - apparently this didn't happen.

So no longer employed there, but maintaining a good relationship with their billing department over the years - I gave them a call. The hospital said that they would pull the collections back into their system and away from Credit Solutions. So I paid them over the phone with them, the original creditor.

Next, I made the mistake of contacting the CA via phone. They were rude and demanded $100 more than the $377 I've alrady paid. She said they were unpaid and the would be on my TU report until I paid. I advised her that the debt had been settled with the original creditor and I was putting them on notice. I attempted to explain to her that I talked directly with the hospital, and they confirmed the amount owed.

I DV'd them and also reported them to the BBB and FTC - although I doubt either will do any good.

So I called TU customer service to open a dispute if necessary on the amounts reported by the CA, since they're paid. TU said they showed no tradeline items from Credit Solutions, LLC or any company with a similar name. Could they have been removed that quickly? I have confirmed that TU was where they were reported.

If I get a response from the DV letter, I'm sure it will be interesting..

Any thoughts?
I had AFNIs removed really quick after paying DirecTV directly.. so it's possible.... You could always do an online dispute with TU and it will show you your current credit report and if you find nothing to dispute, just close the window... although TU CSRs are horrible, I had a tradeline fall off during a dispute and called them to let them know and they swore up and down that the tradeline was still there even tho every report I pulled showed it gone.. *shrug* .. so I let it go and got a dispute resolution today saying "no longer on credit file" ...

You were so right! I checked my TU report for myself and Credit Solutions, LLC is listed 3 times! The CSR did not know what she was talking about or wanted to avoid a possible confrontation. Or perhaps she has poor active listening skills?

So with the debt being paid to the original creditor, the CA's records are no longer valid - right? The hospital verbally agreed over the phone that they would bring the debt back in house. Worst case scenario, I 'll get an itemized statment from them and send to all the CRAs showing the debt as paid.

I know it will take time for the entries to come off, but is there a ballpark expectation tha I can look for?

Also looking forward to hearing from the DV letter I sent.

Re: Credit Solutions, LLC

ceejx — Wed, 25 Jul 2012 15:16:42 GMT

@Anonymous wrote:
@seigex wrote:
@Anonymous wrote:
Over the weekend, I had 3 new baddies pop up on my TU report. They're 3 collections - 1 for $78, and 2 for $150.

I believe that they are mine and were incurred for hospital services a few years ago - a hospital that was my current employer at that time. It was my understanding then that the fees would be deducted from my paycheck - apparently this didn't happen.

So no longer employed there, but maintaining a good relationship with their billing department over the years - I gave them a call. The hospital said that they would pull the collections back into their system and away from Credit Solutions. So I paid them over the phone with them, the original creditor.

Next, I made the mistake of contacting the CA via phone. They were rude and demanded $100 more than the $377 I've alrady paid. She said they were unpaid and the would be on my TU report until I paid. I advised her that the debt had been settled with the original creditor and I was putting them on notice. I attempted to explain to her that I talked directly with the hospital, and they confirmed the amount owed.

I DV'd them and also reported them to the BBB and FTC - although I doubt either will do any good.

So I called TU customer service to open a dispute if necessary on the amounts reported by the CA, since they're paid. TU said they showed no tradeline items from Credit Solutions, LLC or any company with a similar name. Could they have been removed that quickly? I have confirmed that TU was where they were reported.

If I get a response from the DV letter, I'm sure it will be interesting..

Any thoughts?
I had AFNIs removed really quick after paying DirecTV directly.. so it's possible.... You could always do an online dispute with TU and it will show you your current credit report and if you find nothing to dispute, just close the window... although TU CSRs are horrible, I had a tradeline fall off during a dispute and called them to let them know and they swore up and down that the tradeline was still there even tho every report I pulled showed it gone.. *shrug* .. so I let it go and got a dispute resolution today saying "no longer on credit file" ...
You were so right! I checked my TU report for myself and Credit Solutions, LLC is listed 3 times! The CSR did not know what she was talking about or wanted to avoid a possible confrontation. Or perhaps she has poor active listening skills?

So with the debt being paid to the original creditor, the CA's records are no longer valid - right? The hospital verbally agreed over the phone that they would bring the debt back in house. Worst case scenario, I 'll get an itemized statment from them and send to all the CRAs showing the debt as paid.

I know it will take time for the entries to come off, but is there a ballpark expectation tha I can look for?
Also looking forward to hearing from the DV letter I sent.

I have a feeling your DVs will work, esp if you're friends with the OC. The CAs will attempt to validate, and the OC will say it's not a valid debt, then they will have to remove the TL. Otherwise, dispute the debt.. in TU there's a dispute for "Original credit agreed to remove account" ... and that might be good enough to get it taken off.. Good luck!

Re: Credit Solutions, LLC

Anonymous — Wed, 25 Jul 2012 15:58:07 GMT

@seigex wrote:
@Anonymous wrote:
@seigex wrote:
@Anonymous wrote:
Over the weekend, I had 3 new baddies pop up on my TU report. They're 3 collections - 1 for $78, and 2 for $150.

I believe that they are mine and were incurred for hospital services a few years ago - a hospital that was my current employer at that time. It was my understanding then that the fees would be deducted from my paycheck - apparently this didn't happen.

So no longer employed there, but maintaining a good relationship with their billing department over the years - I gave them a call. The hospital said that they would pull the collections back into their system and away from Credit Solutions. So I paid them over the phone with them, the original creditor.

Next, I made the mistake of contacting the CA via phone. They were rude and demanded $100 more than the $377 I've alrady paid. She said they were unpaid and the would be on my TU report until I paid. I advised her that the debt had been settled with the original creditor and I was putting them on notice. I attempted to explain to her that I talked directly with the hospital, and they confirmed the amount owed.

I DV'd them and also reported them to the BBB and FTC - although I doubt either will do any good.

So I called TU customer service to open a dispute if necessary on the amounts reported by the CA, since they're paid. TU said they showed no tradeline items from Credit Solutions, LLC or any company with a similar name. Could they have been removed that quickly? I have confirmed that TU was where they were reported.

If I get a response from the DV letter, I'm sure it will be interesting..

Any thoughts?
I had AFNIs removed really quick after paying DirecTV directly.. so it's possible.... You could always do an online dispute with TU and it will show you your current credit report and if you find nothing to dispute, just close the window... although TU CSRs are horrible, I had a tradeline fall off during a dispute and called them to let them know and they swore up and down that the tradeline was still there even tho every report I pulled showed it gone.. *shrug* .. so I let it go and got a dispute resolution today saying "no longer on credit file" ...
You were so right! I checked my TU report for myself and Credit Solutions, LLC is listed 3 times! The CSR did not know what she was talking about or wanted to avoid a possible confrontation. Or perhaps she has poor active listening skills?

So with the debt being paid to the original creditor, the CA's records are no longer valid - right? The hospital verbally agreed over the phone that they would bring the debt back in house. Worst case scenario, I 'll get an itemized statment from them and send to all the CRAs showing the debt as paid.

I know it will take time for the entries to come off, but is there a ballpark expectation tha I can look for?
Also looking forward to hearing from the DV letter I sent.
I have a feeling your DVs will work, esp if you're friends with the OC. The CAs will attempt to validate, and the OC will say it's not a valid debt, then they will have to remove the TL. Otherwise, dispute the debt.. in TU there's a dispute for "Original credit agreed to remove account" ... and that might be good enough to get it taken off.. Good luck!
I did exactly that with TU online. We will see what happens.

Guess I should not waste any time trying to understand the motivations of the TU CSR. LOL.

Re: Credit Solutions, LLC

ceejx — Wed, 25 Jul 2012 19:51:40 GMT

@Anonymous wrote:
I did exactly that with TU online. We will see what happens.

Guess I should not waste any time trying to understand the motivations of the TU CSR. LOL.

There's no point in trying to understand anything about TU.. they are by far the red-headed stepchild of the major CRAs .... slow to react, slow to remove, slow to update, horrible CSRs... only positive I see from them is they're the only agency to list "expected removal date" on their reports...

Re: Credit Solutions, LLC

Anonymous — Wed, 25 Jul 2012 19:52:12 GMT

@seigex wrote:
@Anonymous wrote:
I did exactly that with TU online. We will see what happens.

Guess I should not waste any time trying to understand the motivations of the TU CSR. LOL.

There's no point in trying to understand anything about TU.. they are by far the red-headed stepchild of the major CRAs .... slow to react, slow to remove, slow to update, horrible CSRs... only positive I see from them is they're the only agency to list "expected removal date" on their reports...

Well said.

Re: Credit Solutions, LLC

Anonymous — Thu, 26 Jul 2012 19:11:17 GMT

Interesting to note that I received a call and voicemail from a "manager" with Credit Sollutions, LLC.

She only mentioned that they had received some communications from me and wanted to let me know that everything was "straightened out"/taken care of. She said if I needed anything to call her.

So I did.

First time I called, she was suspiciously away from her desk (about 2 minutes after her intial call) and I was told she would call me back.

So I waited anxiously to hear what she had to say.

I find it humorous that ALL of the CSRs for these CAs are not familiar in any way with our rights as a consumer. In fact, when you start stating laws, and statutes, FCRA - they grow quite intimidated. In a previous conversation with this company, the CSR screamed, "What are you? Some kind of lawyer?" before hanging up on me.

Obviously my concern is that the CA remove their entries on my credit reports since the debt has been PIF with the OC. I know there is always some lag time - seems like entries go on your CR a lot quicker than they come off.

Not only had I DV'd them, I also filed complaints with the BBB & FTC.

When I finally talked with the manager she was very apologetic and had already replied to my BBB complaint even though I haven't received it. She said that TU was a pain to deal with but they had already requested removal, and it would be quicker if I disputed them online - which I had already done.

She said she would be logging into her TU kiosk and getting the entries deleted immediately.

We shall see.