topic Re: Enhanced Recovery and Sprint HELP!! in Rebuilding Your Credit

Enhanced Recovery and Sprint HELP!!

Anonymous — Thu, 27 Sep 2012 01:27:38 GMT

I am in the process of getting the last negative account off of my credit report and it happens to be CA (Enhanced Recovery) for Sprint. I called Sprint today and asked them if I PIF if they would pull the account from the CA and they said "yes, it will be off of your account within 24 hours." I proceeded to pay the $574 and after doing so I felt leary so I called the CA. Enhanced Recovery told me that the account would be listed as PAID and that it would not be taken off of my credit report. I got pissed and argued with the rep. for a while and they told me that they would send me a PIF letter when they recieved the info from Sprint. I said, "OK," and hung up. I then didn't feel right about getting a PIF letter from them since I didn't pay THEM, I paid Sprint. So I called them back and got in a major argument w/ the rep. and ended up hanging up on her after telling her to "have a nice day," very sarcastically. I ended up being on the phone for a long time trying to sort it all out w/ Sprint but they kept telling me that there is nothing that they can do now except for tell the CA that it is PIF, it is out of their hands, so-to-say. I feel like I am being lied to by someone.

The account was one month from being past SOL and I feel like I made a big mistake and wasted $574 dollars. Someone please help me! Should I call my bank and tell them to stop payment on the pending payment to Sprint? It is still pending with my bank so I can call them and tell them that it is fraudulant! Or should I just let Sprint put it as paid and hope that it drops off of my credit report as the first person said that it would?!?

Thanks all that read my post and for any help that can be rendered!!!

Re: Enhanced Recovery and Sprint HELP!!

Shogun — Thu, 27 Sep 2012 01:29:23 GMT

Oh wow... That's why I always advise to negotiate by snail mail. It leaves a paper trail. A PIF does get rid of the debt, but does nothing for your credit score. They always say,, We will mark it paid in full, well, that's not doing you any favors. They have to mark it paid in full. What they don't have to do is report anything at all!

As far as what you should do, well I don't know if stopping payment would actually be a wise thing. I know we sometimes get heated when we get the run around, but I'm telling you it goes much easier in the long run if you shower them with kindness.

Since it will be paid, out of the way, no way for anyone to collect again, I consider that a good thing. Maybe give a little time and start the GW process.

Sorry to hear about your situation, but everything is fixable. Good Luck.

Re: Enhanced Recovery and Sprint HELP!!

Anonymous — Thu, 27 Sep 2012 01:41:42 GMT

Thank you for the quick response!! I am so tempted to stop payment on the account and then nagotiate via snail mail. At least they wouldn't be the only ones going back on their word!

Re: Enhanced Recovery and Sprint HELP!!

acrylic51 — Thu, 27 Sep 2012 01:37:03 GMT

Can't give you much assurance, but I had the very same situation with Enhance collecting for Sprint. I tried to work a PFD with Enhanced and was a no go, and they gave me my original account number with Sprint, and I contacted Sprint directly only because I refused to pay Enhanced a $12.95 processing fee to pay my debt. I contacted Sprint, and they advised if I paid the account it would be pulled back immediately from Enhanced. They never mentioned removing the TL, but I paid Sprint directly and within the week it was removed from all 3 of my CR with no issues.....Sprint even went so far as to send a letter stating I was a good paying customer for "X" amount of years and my account was in good standing.......

Re: Enhanced Recovery and Sprint HELP!!

acrylic51 — Thu, 27 Sep 2012 01:44:01 GMT

Enhanced was actually pissed when I called and told them the account was paid to Sprint......If Sprint was paid Enhanced doesn't technically control the reporting.....I found that Enhanced doesn't actually own the accounts. They were upset, because when Sprint received payment how they close the accounts out stops them from reporting the accounts just as Paid In Full......

Re: Enhanced Recovery and Sprint HELP!!

Anonymous — Thu, 27 Sep 2012 01:45:03 GMT

@acrylic51 wrote:
Can't give you much assurance, but I had the very same situation with Enhance collecting for Sprint. I tried to work a PFD with Enhanced and was a no go, and they gave me my original account number with Sprint, and I contacted Sprint directly only because I refused to pay Enhanced a $12.95 processing fee to pay my debt. I contacted Sprint, and they advised if I paid the account it would be pulled back immediately from Enhanced. They never mentioned removing the TL, but I paid Sprint directly and within the week it was removed from all 3 of my CR with no issues.....Sprint even went so far as to send a letter stating I was a good paying customer for "X" amount of years and my account was in good standing.......

I believe that I read your original post about the matter and it is one of the reasons that I took the route that I did. I felt that if you got that then maybe I can get the same. I guess that I will leave it the way it is and cross my fingers.

How long did it take for them to delete it from your reports?

Re: Enhanced Recovery and Sprint HELP!!

acrylic51 — Thu, 27 Sep 2012 01:48:20 GMT

TU and EX were within a week.....I had to argue and fight with EQ.....Had to send proof of payment and the letter Sprint sent me......Like I said Sprint did keep their word....My issue was with Enhanced......Sprint never made mention of deleting the TL, they just told me it would be pulled back from Enhanced and my CR would be adjusted. At that point I was just looking to get it paid it was actually an old account that would have fallen off 5/2013, but took a chance on it.

Re: Enhanced Recovery and Sprint HELP!!

acrylic51 — Thu, 27 Sep 2012 01:50:17 GMT

I do have to admit, I'm by no means a negotiator, and I have a very direct avenue and point when I call....I don't like exchanging BS about this business.....I call and get right to the point and at times very short tempered, so at times I have to "choke" myself, but I come straight out and say what I want; expect and willing to pay what I owe or else I walk away and wait for another day to attack!!!!!!

Re: Enhanced Recovery and Sprint HELP!!

acrylic51 — Thu, 27 Sep 2012 01:51:51 GMT

JonDoe1980 wrote:

acrylic51 wrote:

How long did it take for them to delete it from your reports?

Did you get the name of the person you spoke with at Sprint and I think they should have given a reference number as well......

Re: Enhanced Recovery and Sprint HELP!!

novabama — Thu, 27 Sep 2012 02:00:24 GMT

Hi OP. I wouldn't rile up ERC too much... I also had an old sprint bill with them. I didn't really know where to start and I didn't want to call sprint. I sent them an email with a DV letter. They DID respond that it would be listed as investigation in process on my CRs while they got the info to validate. All of a sudden about a week later it was off all of my reports. This was weeks ago and I haven't heard anything since then.

If it were me in the situation I'd probably send ERC a DV now that it's paid. Then I'd give it a couple weeks and see if they respond and/or if it drops off your reports. If not, then I would suggest GWing it till it's gone. I don't think you'll have too much trouble as long as you STAY OFF the phone!!!

Re: Enhanced Recovery and Sprint HELP!!

acrylic51 — Thu, 27 Sep 2012 02:06:54 GMT

ERC can't do anything with the DV or GW.....They never received payment and they will tell you that straight out that he'll have to deal with Sprint to get it resolved.....Sprint had originally told me that I'd have to go to ERC to get it taken care of, and I had contacted ERC and they stated how could they when the payment wasn't made to them......Sprint will pull the account from them.....I guarantee if you call Sprint tomorrow and ask if the account has been pulled back the answer you'll get is yes it was pulled back.

Re: Enhanced Recovery and Sprint HELP!!

Anonymous — Thu, 27 Sep 2012 02:22:34 GMT

@novabama wrote:
Hi OP. I wouldn't rile up ERC too much... I also had an old sprint bill with them. I didn't really know where to start and I didn't want to call sprint. I sent them an email with a DV letter. They DID respond that it would be listed as investigation in process on my CRs while they got the info to validate. All of a sudden about a week later it was off all of my reports. This was weeks ago and I haven't heard anything since then.

If it were me in the situation I'd probably send ERC a DV now that it's paid. Then I'd give it a couple weeks and see if they respond and/or if it drops off your reports. If not, then I would suggest GWing it till it's gone. I don't think you'll have too much trouble as long as you STAY OFF the phone!!!

I appreciate the advice, but it seems that YOU didn't actually pay what you owed unlike me. I spent my hard earned money ($574) and I would hope to not have to play games with these people. I don't think that I should have to mess with the CA since they never received any of my money nor did I ever truly owe it to them.

Re: Enhanced Recovery and Sprint HELP!!

Anonymous — Thu, 27 Sep 2012 02:27:15 GMT

@acrylic51 wrote:
ERC can't do anything with the DV or GW.....They never received payment and they will tell you that straight out that he'll have to deal with Sprint to get it resolved.....Sprint had originally told me that I'd have to go to ERC to get it taken care of, and I had contacted ERC and they stated how could they when the payment wasn't made to them......Sprint will pull the account from them.....I guarantee if you call Sprint tomorrow and ask if the account has been pulled back the answer you'll get is yes it was pulled back.

I hope you are right, I just don't understand why Sprint would give me the run-around AFTER I PIF...

Re: Enhanced Recovery and Sprint HELP!!

acrylic51 — Thu, 27 Sep 2012 02:26:42 GMT

It seems part of the territory to me......Everyone wants the money, but no one wants to commit it on paper......I think they are worried that people will go running to the CRA stating they are doing "whatever" so it's policy not to put it in writing......I even pressured a supervisor at Sprint......Like I said I can get a bit impatient and I called back on that Saturday morning, since I made the payment friday night about 9pm and they guy I talked to at Sprint said they can't put it in writing, but assured me it would be deleted. He came flat out and said you'll never get it in writing, but like I said they did send a pretty letter in the mail to back up their actions.

Re: Enhanced Recovery and Sprint HELP!!

acrylic51 — Thu, 27 Sep 2012 02:27:38 GMT

@Anonymous wrote:
@acrylic51 wrote:
ERC can't do anything with the DV or GW.....They never received payment and they will tell you that straight out that he'll have to deal with Sprint to get it resolved.....Sprint had originally told me that I'd have to go to ERC to get it taken care of, and I had contacted ERC and they stated how could they when the payment wasn't made to them......Sprint will pull the account from them.....I guarantee if you call Sprint tomorrow and ask if the account has been pulled back the answer you'll get is yes it was pulled back.

I hope you are right, I just don't understand why Sprint would give me the run-around after paying...

Will sound poorly on my part, but they don't care they got what they were after......You, me and everyone else just another fish in the pond!!!!!

Re: Enhanced Recovery and Sprint HELP!!

novabama — Thu, 27 Sep 2012 02:29:01 GMT

You are right NO I did not pay it... but not because I didn't plan to. I planned to DV and then PFD. The amount was 588, so I sure hope you are not implying anything in regards to one's morals to a single mother who knows a little something about hard earned money. I was simply trying to help considering it seemed you just want it removed off your credit. Good luck anyhow.

Re: Enhanced Recovery and Sprint HELP!!

acrylic51 — Thu, 27 Sep 2012 02:33:22 GMT

Sorry Nova didn't mean or attempt to step on your toes.......Trust me I was a single dad raising a daughter on my own so I know that situation.......ERC I've tried the DV and PFD......NO GO.....That's why I went straight to top which is Sprint......Sprint doesn't sell the accounts to ERC, so you can deal with them directly.....why deal with a middleman......

Re: Enhanced Recovery and Sprint HELP!!

novabama — Thu, 27 Sep 2012 02:37:35 GMT

@acrylic51 wrote:
Sorry Nova didn't mean or attempt to step on your toes.......Trust me I was a single dad raising a daughter on my own so I know that situation.......ERC I've tried the DV and PFD......NO GO.....That's why I went straight to top which is Sprint......Sprint doesn't sell the accounts to ERC, so you can deal with them directly.....why deal with a middleman......

No worries. I understand where you were coming from. What I was trying to get across to the OP was that since he got nothing in writing from the OC that they don't have to do anything (like you said as well) and that if they won't do anything and say it's out of their hands.. that he could DV the CA.. which would take maybe 5 minutes to send an email.. and that it wouldn't hurt to try. Because isn't that the reason we are all here??? To get the baddies off of our report? I think so...

Re: Enhanced Recovery and Sprint HELP!!

acrylic51 — Thu, 27 Sep 2012 02:43:50 GMT

I think that's why I loose my "control" at times with people on the phone....it takes a simple 2 minute email or click of a button to "make it happen" and they are to busy.....All we want is peace of mind that everything is "good".....Heck I did a PFD back in July and finally got a letter from the attorney's office which was handling the collection that the account was PIF and they would be deleting.....It had been of my CR the 2nd week in August........

Re: Enhanced Recovery and Sprint HELP!!

Anonymous — Thu, 27 Sep 2012 02:45:43 GMT

Nova I didn't mean to piss you off, I was simply making a point. I was trying to imply that since I actually PFD to Sprint, and they told me on the phone that it would be taken care of within 24 hours, that I shouldn't have to deal with all the nonsense of playing games and pleading. I can understand your situation and if I had not paid them in full then I might feel the need to ask for them to forgive me. Please forgive me for sounding rude in my reply to you, I will try to word my replies more carefully from now on.

acrylic, you did not step on anyone's toes, you are both giving sound advice from your own separate experiences. I appreciate the input that you have both given as you have BOTH taken time out of your evening to help someone out.

I sincerely thank you both!