topic Re: Help with collection on report in Rebuilding Your Credit

Help with collection on report

reckedhim — Sun, 31 Mar 2013 17:23:59 GMT

So I have a collection listed on my account. It's with ComEd which is a utility company. I would like to pay it off and get removed from my account but I'm not sure how to go about doing it. The information listed doesn't have the CA so I don't know who to contact. Also, since it's only for $126 is hurting my score a lot? Here is what it looks like on my report: The collection agency "410YC00206" was hired to collect a debt of $126 originally owed to "Comed 26499" on account number "XXXXXXXXXX". Collection agency [?] 410YC00206 Original balance [?] $126 Current balance [?] $126 Date assigned [?] Aug, 2010 Original lender [?] Comed 26499 Account number [?] XXXXXXXXXX Account holder [?] Individual So, where do I go from here? Any help is greatly appreciated.

Re: Help with collection on report

Anonymous — Sun, 31 Mar 2013 17:46:28 GMT

You would need to get your reports from the CRAs to see the CA. Have you got yours from annualcreditreport.com yet?

Or you can call the OC and see if they will accept payment and recall the debt from the CA and ask them to have the CA delete. The CA doesn't have to delete but if the OC asks them too they might.

Or you can call the OC and ask who is collecting, call and offer them a PFD.

Re: Help with collection on report

reckedhim — Sun, 31 Mar 2013 19:07:58 GMT

@Anonymous wrote:
You would need to get your reports from the CRAs to see the CA. Have you got yours from annualcreditreport.com yet?

Or you can call the OC and see if they will accept payment and recall the debt from the CA and ask them to have the CA delete. The CA doesn't have to delete but if the OC asks them too they might.

Or you can call the OC and ask who is collecting, call and offer them a PFD.

Thanks, I just went to annualcreditreport.com and was able to view my Equifax report. The CA is Contract Callers Inc. Would it be best to email, call, or write them? Do you know how successfull people have been getting a PFD?

Re: Help with collection on report

Anonymous — Sun, 31 Mar 2013 19:33:17 GMT

I have never heard of that CA so I don't know if they do or not.

If you know the debt is yours you can just call them. It would be best do get it in writing but if they won't and they agreed orally, you have that.

You know you can get all 3 reports free from annualcreditreport.com once every 12 months.

Re: Help with collection on report

reckedhim — Sun, 31 Mar 2013 20:01:11 GMT

Thanks. I did a search on here for Contract Callers and I saw at least one person with success so hopefully it works for me. I'm going to send out a PFD letter tomorrow.

Re: Help with collection on report

reckedhim — Sun, 31 Mar 2013 21:51:02 GMT

I found an email address for Contract Callers. Would it look too pushy if I emailed them and sent a letter? Should I just do one and wait a little bit?

Re: Help with collection on report

Anonymous — Sun, 31 Mar 2013 22:53:40 GMT

I would do one or the other.

Re: Help with collection on report

reckedhim — Mon, 01 Apr 2013 02:49:26 GMT

Alright, I sent an email so we'll see how it goes. I hope I at least hear a response.

Re: Help with collection on report

Anonymous — Mon, 01 Apr 2013 02:50:27 GMT

Good luck!

Re: Help with collection on report

reckedhim — Mon, 01 Apr 2013 14:17:26 GMT

So I emailed contract callers last night and I received a response already. They agreed to delete the collections info from my credit reports if I pay in full. I'm putting a money order in the mail today!

Re: Help with collection on report

Anonymous — Mon, 01 Apr 2013 14:20:23 GMT

Congrats!

Re: Help with collection on report

reckedhim — Mon, 01 Apr 2013 14:23:01 GMT

I have the option of paying through their website or mailing the payment. Is it safe to pay online? I don't want them to do something shady. Also, is there email back to me enough documentation that they agree to delete my account?

Re: Help with collection on report

Anonymous — Mon, 01 Apr 2013 14:27:11 GMT

Did they give you any time limits?

I've paid online and had no issues, others have too. But it is something I always worry about. Not just with a CA but any online bill payment.

If you opt to mail it, get a money order.

Re: Help with collection on report

reckedhim — Mon, 01 Apr 2013 14:28:30 GMT

No, they just said they'd delete the info upon receiving full payment. I'll just pay online with a credit card to get it over with.

Re: Help with collection on report

reckedhim — Mon, 01 Apr 2013 15:17:56 GMT

One more update: I paid online and contacted the rep that emailed me. She said they would contact the CRAs today and the collection should be removed within 7 days or so.

Re: Help with collection on report

dougnukem — Mon, 01 Apr 2013 23:11:01 GMT

Nice!

Re: Help with collection on report

reckedhim — Mon, 01 Apr 2013 23:20:11 GMT

Yea, I never thought I'd be impressed by a CA's customer service.

Re: Help with collection on report

YMLDC09 — Tue, 02 Apr 2013 00:02:56 GMT

Congrats..the waiting is awful but the collection disappearing from the reports is worth the wait. The OC sends people to CA but then pulls it back from the CA which erases the collection from the CA and CRAs. This was the case in each of my conversations. I only had 2 collections..now 2 gone!

The information on this site is rock solid as long as you just take action.

Re: Help with collection on report

Anonymous — Tue, 02 Apr 2013 00:28:14 GMT

@YMLDC09 wrote:
Congrats..the waiting is awful but the collection disappearing from the reports is worth the wait. The OC sends people to CA but then pulls it back from the CA which erases the collection from the CA and CRAs. This was the case in each of my conversations. I only had 2 collections..now 2 gone!

The information on this site is rock solid as long as you just take action.

The OC pulling the account back doesn't delete the CA TL from your report automatically. They can ask the CA to but they are under no obligation to do so.

Re: Help with collection on report

YMLDC09 — Tue, 02 Apr 2013 00:56:21 GMT

@Anonymous wrote:
@YMLDC09 wrote:
Congrats..the waiting is awful but the collection disappearing from the reports is worth the wait. The OC sends people to CA but then pulls it back from the CA which erases the collection from the CA and CRAs. This was the case in each of my conversations. I only had 2 collections..now 2 gone!

The information on this site is rock solid as long as you just take action.
The OC pulling the account back doesn't delete the CA TL from your report automatically. They can ask the CA to but they are under no obligation to do so.

Got it. It happened to work out in my case