topic Re: I commited a cardinal sin in dealing with CA in Rebuilding Your Credit

I commited a cardinal sin in dealing with CA

Anonymous — Sat, 10 May 2008 18:33:34 GMT

Iknow that I should never talk to ar accept anything that a CA says without written verification but I did just that. I have a CA on my CR issued 12/07. I do owe the money but was not aware that it went to collections. After several attempts to get the CA to respond in writting to no avail I decided to call them. During our conversation they agreed to do a complete delete from all CRA's as long as I paid them over the phone during that call. I went out on a limb and paid them, asking that they mail me a deletion letter and a receipt. I go out to get my mail today and guess what? The receipt AND deletion letter were there! They fulfilled their end of the agreement. I am holding my breath to see how much my score will improve as this was the only negative item in my report. I do have high UTIL but everything shows paid as agreed for the history of the account. I am currently at 586 and will let you all know when the score changes.

Re: I commited a cardinal sin in dealing with CA

LIGHTNIN — Sat, 10 May 2008 18:45:27 GMT

may i ask who was the CA?

So we know thats one one the good guys

Thanks

Re: I commited a cardinal sin in dealing with CA

Anonymous — Sat, 10 May 2008 20:36:57 GMT

The agency was Kenneth Eisen & Assoc. in Phoenix, AZ.

Re: I commited a cardinal sin in dealing with CA

Anonymous — Sat, 10 May 2008 21:15:23 GMT

FBCS can be marked and one of the bad guys. I did the same thing and got burned. Talk about arrogant people to deal with on the phone. I hope karma bites that guy where he deserves it.

Re: I commited a cardinal sin in dealing with CA

Anonymous — Sat, 10 May 2008 22:14:25 GMT

credithopefull wrote:
FBCS can be marked and one of the bad guys. I did the same thing and got burned. Talk about arrogant people to deal with on the phone. I hope karma bites that guy where he deserves it.

I don't know about the other agencies, but TU has an option when you dispute online "Company agreed to delete"

Worth a shot I suppose. Only thing is if they update instead of delete, I've heard of ppl taking a point hit. Is it an old collection or newer one?

Re: I commited a cardinal sin in dealing with CA

Anonymous — Sat, 10 May 2008 22:35:38 GMT

very new. 3/27

Re: I commited a cardinal sin in dealing with CA

Anonymous — Sat, 10 May 2008 22:38:00 GMT

credithopefull wrote:
very new. 3/27

I'd take the risk and dispute as "company agreed to delete"

But that is just me. Up to you.

Re: I commited a cardinal sin in dealing with CA

Anonymous — Sun, 11 May 2008 03:17:09 GMT

I took the risk with RJM Acquisitions...and dealt with them over the phone..and paid over the phone...it was deleted off my reports..before I even got my receipt and deletion letter...they were a GOOD CA to deal with...just for the record...

Re: I commited a cardinal sin in dealing with CA

Anonymous — Fri, 16 May 2008 01:52:37 GMT

How long did it take for them to remove the collections after payment? I have 2 collections on my reports and they are the CA I have to deal with.

slyhouse08 wrote:
I took the risk with RJM Acquisitions...and dealt with them over the phone..and paid over the phone...it was deleted off my reports..before I even got my receipt and deletion letter...they were a GOOD CA to deal with...just for the record...