topic Re: Global Payments Check Services in Rebuilding Your Credit

Global Payments Check Services

Anonymous — Thu, 27 Jun 2013 21:27:54 GMT

In March 2012, the the apartment building I lived in was destroyed by fire. Following that catastrophic event, I pulled my credit reports and found an account with Global Payments Check Services dated back to July 2009. I called and spoke with a representative at that time. I learned that a letter had been sent to an old address. Not knowing what to do, I paid the account in March 2012 without doing a PFD. I have a letter dated April 6, 2012 verifying the account was paid in full. I have called three times asking to have the item removed stating the bill was mailed an old address. I keep getting told that the letters were not returned to sender and therefore they assume they were received and just simply ignored. I requested the credit agencies add the statement below to this account, but it removed permanently. Experian and Transunion are the only two it was reported to. Should I dispute the fact that it is listed as a CO in June 2012 when it was actually charged off in 2009? Should I dispute because it was actually paid in March 2012 not June 2012?

Any suggestions or helpful steps to take to get it removed are greatly appreciated.

Re: Global Payments Check Services

Anonymous — Thu, 27 Jun 2013 21:30:44 GMT

Can you post the TL? I am confused about the dates.

Re: Global Payments Check Services

Anonymous — Thu, 27 Jun 2013 21:48:22 GMT

Re: Global Payments Check Services

Anonymous — Thu, 27 Jun 2013 21:53:41 GMT

@Anonymous wrote:
Can you post the TL? I am confused about the dates.

I attempted to paste it at the end of the first message, but it didn't attach. Thanks for your help.

Re: Global Payments Check Services

Anonymous — Thu, 27 Jun 2013 21:55:46 GMT

If you can cut and paste.

Have you ever disptued the TL? Do they update monthly?

Re: Global Payments Check Services

Anonymous — Thu, 27 Jun 2013 22:02:19 GMT

Sorry that the information isn't showing up. I am using a Macbook. It shows up when I paste it to create the message, but it doesn't when I post the message. I copied it from the EX report this time.

I have disputed the account because it was sent to an inaccurate address, but I have not disputed it based on the actual PO date.

Status:
Paid,Closed. $350 written off.

Date Opened:
07/2009

Date of Status:
06/2012

Reported Since:
06/2012

Last Reported Date:
06/2012

Type:
Unspecified

Terms:
N/A

Monthly Payment:
$0

Responsibility:
Individual

Credit Limit:
$350

High Balance:
N/A

Recent Balance:
N/A

Recent Payment:
N/A

Payment History:

2012

JUN

Account History:
Charge Off as of Jun 2012

Your Statement:
DUE TO CHANGE OF ADDRESS I NEVER RECEIVED A BILL/STATEMENT.
N/A

Re: Global Payments Check Services

Anonymous — Thu, 27 Jun 2013 22:25:30 GMT

The CO as of Jun 12 is just that, the status of the date it was reported dispute/updated. Doesn't mean anything.

Re: Global Payments Check Services

Anonymous — Thu, 27 Jun 2013 22:57:14 GMT

I guess I'm not following you. Should I dispute the account because it was paid in March 2012? Should I write a GW to have it removed because I didn't receive the notice?

Is the DOFD July 2009 and when will the item be removed?

Re: Global Payments Check Services

Anonymous — Thu, 27 Jun 2013 23:01:41 GMT

I am saying that when the CRA updated the TL it was Jun of 2012. The TL was a CO, it always will be, just paid.

If you were to do anything like dispute, it would update to the current date and possibly drop your score.

I can't tell from that what the DoFD is.

Re: Global Payments Check Services

Anonymous — Thu, 27 Jun 2013 23:02:55 GMT

Is this a returned check? If it is the DoFD is the date of the check or the date it was returned for insufficient funds.

Re: Global Payments Check Services

Anonymous — Fri, 28 Jun 2013 00:05:31 GMT

It was a returned check from July 2009.

Re: Global Payments Check Services

Anonymous — Fri, 28 Jun 2013 00:13:17 GMT

Then July 2009 would be the DoFD and will be excluded between July 2016 and Jan 2017.

Re: Global Payments Check Services

Anonymous — Fri, 05 Jul 2013 18:06:03 GMT

I submitted a GW e-mail on June 28 to the e-mail address provided to me on their automated phone system. I asked for a deletion of the account because I never received notice because it was sent to an old address. I also asked for a copy of the returned check so I could verify that the address on the check did not match the address that they claim they sent the notice to. I have not heard from them. I'm impatient. Since it wasn't a DV letter, how long should I wait before I ask again? Are there any other steps I can take to possible get a favorable outcome?

Thanks for all the great advice.

Re: Global Payments Check Services

Anonymous — Fri, 05 Jul 2013 18:10:13 GMT

Find the CEO, VP or someone else higher up in the company to email. Search the internet for names and such.

Write them a letter. Keep on them until they respond one way or another. If they say no, keep sending them. They can say no 100 times but it only takes 1 yes.

Re: Global Payments Check Services

Anonymous — Fri, 05 Jul 2013 18:16:36 GMT

Will do! I've searched the internet for names of higher ups and this company doesn't provide much information online. I'll keep searching though.