topic Re: Contacts For Goodwills/Update in Rebuilding Your Credit

Contacts For Goodwills/Update

NewYxox — Sun, 23 Feb 2014 15:30:26 GMT

So i've been searching on here for who to contact on certain collections accounts on my reports and such and some I can not find and others are back from like 2005, 2008 and dates way back that im not sure are current or not. While I applied to get my new secured card from Capital One going with a CL of $500 and a Fingerhut freshstart program in the meantime i want to try and clean up my reports, since i dont plan on applying for nothing else as of right now. I'm hoping somebody can help me out! I would perfer email addresses but an address will work as well. Also with some of these im not sure weather to contact the OC or CA. I'm still so new to this! Also my FICO score from EQ is currently 546, I just bought it yesterday and it's higher than I actually thought! I'm going to purchase the other ones here in a little bit, so I know where i stand. Okay here we go..

I have American Profit Recovery listed as a collections account and the OC was a school i went to ST Clair Community College. Should I send out a GW to the School or American Profit Recovery? Collection has been paid a while back!

I already tried emailing the CEO of Bank of America, got a call in return with nothing!!! And i see on here they are really hard with goodwills, any other suggestions with them maybe?? My first attempt was about a month ago.

DTE Energy - Utility Bill is showing on there just from the OC. I have not paid them yet but plan to within two weeks. When i call them to pay i was going to ask them right over the phone if this could be removed after it is paid. Good idea, bad? I can only try right, but im afraid i'll just get the same answer (We're required to report)

GLS/Ross Education is one of my school loans that i'm required to pay and has 3 30 day lates and 2 60 day lates, i've been paying on time every month for 3 months now and last time i spoke to someone on the phone i tried to ask if they would remove those lates and lady said nope! Anything else i could try with them? That is going to stay on my report for a while and i dont plan on ever making a late payment again but those past ones i wish could just be gone! Lol

MDT/Advia Credit Union I had a $1000 personal loan with them a couple 30 day lates and a couple 60 day lates. Account is paid for and closed. Anyway to approach them?

Thanks in advance for anybody that can help me out!!

Re: Contacts For Goodwills/Update

Anonymous — Sun, 23 Feb 2014 15:42:12 GMT

@NewYxox wrote:
So i've been searching on here for who to contact on certain collections accounts on my reports and such and some I can not find and others are back from like 2005, 2008 and dates way back that im not sure are current or not. While I applied to get my new secured card from Capital One going with a CL of $500 and a Fingerhut freshstart program in the meantime i want to try and clean up my reports, since i dont plan on applying for nothing else as of right now. I'm hoping somebody can help me out! I would perfer email addresses but an address will work as well. Also with some of these im not sure weather to contact the OC or CA. I'm still so new to this! Also my FICO score from EQ is currently 546, I just bought it yesterday and it's higher than I actually thought! I'm going to purchase the other ones here in a little bit, so I know where i stand. Okay here we go..

I have American Profit Recovery listed as a collections account and the OC was a school i went to ST Clair Community College. Should I send out a GW to the School or American Profit Recovery? Collection has been paid a while back! You send it to who is reporting.

I already tried emailing the CEO of Bank of America, got a call in return with nothing!!! And i see on here they are really hard with goodwills, any other suggestions with them maybe?? My first attempt was about a month ago. Send snail mail GWs to someone else.

My old Capital One secured card is on there still showing as charged off, but is paid in full now & when I talked to a rep i tried asking over the phone for it to be removed and nothing there as well, (We're required to report accuarte information, blahh) Does it show as a paid CO?

Credit Protection Association is showing as a collection for comcast. Which do I contact here? Ive read some posts that said if you contact comcast directly they would be willing to remove it, & others have said different. Any suggestions here? If an email address or contact for either are available it would be appreciated! Contact Comcast directly and ask them if you pay them will they recall the debt.

DTE Energy - Utility Bill is showing on there just from the OC. I have not paid them yet but plan to within two weeks. When i call them to pay i was going to ask them right over the phone if this could be removed after it is paid. Good idea, bad? I can only try right, but im afraid i'll just get the same answer (We're required to report) Yes, call and ask them. It never hurts to ask. If they say no, pay it and start sending GW letters.

GLS/Ross Education is one of my school loans that i'm required to pay and has 3 30 day lates and 2 60 day lates, i've been paying on time every month for 3 months now and last time i spoke to someone on the phone i tried to ask if they would remove those lates and lady said nope! Anything else i could try with them? That is going to stay on my report for a while and i dont plan on ever making a late payment again but those past ones i wish could just be gone! Lol Try the Ombudsman.

MDT/Advia Credit Union I had a $1000 personal loan with them a couple 30 day lates and a couple 60 day lates. Account is paid for and closed. Anyway to approach them? How old are the lates. Generally, after 2 years, those won't really impact your score. But, you can always send a GW letter.

Receivables Perform MGT is for a sprint bill of $1301, i need help on how to go about this one as well. Can I call and ask for a settlement, has anybody had any success with them and would they be willing to remove after payment? Does Sprint still own the account or was it sold to the CA? If Sprint owns it ask to pay them and they recall the debt from the CA.

Thanks in advance for anybody that can help me out!!

Re: Contacts For Goodwills/Update

NewYxox — Sun, 23 Feb 2014 16:01:48 GMT

Thanks so much guiness56!

As for Capital One it does not say paid CO yet because i just paid them about 2 days ago, i'm hoping it will show paid soon, either way when it does show paid how should i approach that again? I mean they approved me for a new secured card before the CO was even paid which was surprising!

Do you have a little more information on what the ombudsman is? The company my school went through is called Genesis Lending Services and thats who my loan is through and who is reporting those lates they wouldnt budge when i asked over the phone with my last payment..

I'm glad you've said that the loan doesn't really impact my score anymore because it was very well over 3 years ago but just for the heck of it i'll try the GW's still.

And as for sprint i'm not sure if sprint still owns it or not. I just pulled out a bill i got its from Diversified Adjustment Service INC and it just says your account has been placed with us for collection. Remit in full or call our office..My guess is it is sold over to this collections agency? How do you know?

Re: Contacts For Goodwills/Update

NewYxox — Sun, 23 Feb 2014 16:15:21 GMT

I just looked up some info on the ombudsman and my question is what if it is not a dispute and i simply just want them to remove my lates? I only seen a website to go on and contact them if i have a dispute.

Re: Contacts For Goodwills/Update

Anonymous — Sun, 23 Feb 2014 19:27:56 GMT

@NewYxox wrote:
I just looked up some info on the ombudsman and my question is what if it is not a dispute and i simply just want them to remove my lates? I only seen a website to go on and contact them if i have a dispute.

I honestly can't answer the dispute question. I know that is what they are there for, like a liasion.

However, I have seen some posters use them in a GW attempt.

Re: Contacts For Goodwills/Update

NewYxox — Sun, 23 Feb 2014 19:44:49 GMT

Well then i will give it a shot, all they can say is no right haha. It's better than doing nothing. Thanks!

Re: Contacts For Goodwills/Update

Anonymous — Sun, 23 Feb 2014 23:17:03 GMT

If Sprint is on your CR and shows a balance they probably own it. If it shows a 0 balance, they sold it.

Re: Contacts For Goodwills/Update

NewYxox — Mon, 24 Feb 2014 00:12:38 GMT

It's under the CA name & then shows sprint as the OC with the balance owed so what does that mean?

Re: Contacts For Goodwills/Update

NWintellectual — Tue, 25 Feb 2014 15:30:57 GMT

If you have an entry from a CA without a corresponding OC tradeline, it can go either way but if I had to guess given the nature of the debt (utility/phone bill) you could probably deal directly with Sprint. I'm actually dealing with them right now on an old account that I disconnected back in October last year when I ported my number onto my employer's Verizon account and have been trying to negotiate a lower ETF. They sent me to collections but the CA said they weren't reporting the debt to the CRAs until May of this year.

Finally fed up with the nagging "We want ze money, Lebowski" calls from the CA (IC Systems), I called Sprint Executive Customer service directly and they agreed to drop a $372 bill to $131. The rep I spoke to was very polite and professional, saw that I had been a customer for almost 4 years and offered to take $200 plus taxes off with little hesitation. I was actually impresssed. This will be paid in full Friday. The daily harassment calls from the CA have also stopped.

Since I'm not sure if forum rules allow me to post phone numbers, send me a PM if you would like the phone number I used to get this done.

Re: Contacts For Goodwills/Update

queen_britt2003 — Tue, 25 Feb 2014 15:51:17 GMT

PM info Cap 1

Re: Contacts For Goodwills/Update

NewYxox — Tue, 25 Feb 2014 16:14:40 GMT

Thanks for the email for CAP1 and number for sprint guys! Definitely will try those and see if it works within the week!!

Re: Contacts For Goodwills/Update

dwill1982 — Tue, 25 Feb 2014 16:42:19 GMT

I am new here and I would also like the info for capital one. Can someone please PM the email info for them. Thanks.

Re: Contacts For Goodwills/Update

Anonymous — Tue, 25 Feb 2014 21:36:54 GMT

can you pm me the cap1 contact info

Re: Contacts For Goodwills/Update

Anonymous — Wed, 26 Feb 2014 23:37:27 GMT

I could use the Cap1 as well. Please and thank you !!

Re: Contacts For Goodwills/Update

Anonymous — Wed, 26 Feb 2014 23:42:05 GMT

I saw on another thread some had luck with a Calvary email . I haven't been able to get that from anyone . If anyone can PM that one as well many thanks.

Re: Contacts For Goodwills/Update

NewYxox — Tue, 04 Mar 2014 02:05:47 GMT

Update again--So nothing has changed on my credit reports since its still very early since i've paid some stuff off but im hoping it will change soon! Do I have to keep pulling my reports or will they update? I've bought all 3 on here as well as the credit scores..

So i've paid comcast in full, as mentioned in a different post I didn't get a clear answer on weather or not this would be deleted but some have said that they didn't even ask and it got deleted so i'm hoping for that deletion!

I called the utility bill from DTE I had reporting and paid in full this morning, lady told me to call back in 2 days when it posts to my account to request to have it removed & she said it wont be a problem at all.

I've only used Planet Feedback to write to Capital One for my charge off account and I also did that this morning.

My new Capital One secured is still not reporting on my reports nor is the fingerhut freshstart program...I was able to open a Checking/Savings account with Bank of America and was very happy to start a relationship with them, hopefully able to open credit cards with them in the future. I currently just have the Chase Liquid Card and 2 things in the Chex System so I was very happy with that.

Hopefully once all these hit I will see a bit of a change in my score..thats what i'm hoping for & meanwhile i'll be working on GW letters for the rest of the baddies I have and the only place left to pay is Sprint (1300 yikesss )

Re: Contacts For Goodwills/Update

NewYxox — Tue, 11 Mar 2014 18:37:43 GMT

Update: ugh comcast seriously????!! So just to get updated myself a little ago I called Credit Protection Agency to see what was going on with my comcast debt that I paid, lady goes we have updated it to paid in full but can't delete unless we get the request from comcast directly. I call comcast and I spent all this time giving the person all my info for me to be transferred over, when I was transferred lady didn't even understand what I was talking about and then hung up on me!! Yes I was hung up on for the 2nd time with comcast. I've very annoyed by their lack of customer service seriously! Now I don't know which way to go, do I keep bothering comcast, send GWs to CPA? I thought maybe I had a chance of this falling off since others stated they did but I guess not

Re: Contacts For Goodwills/Update

Anonymous — Tue, 11 Mar 2014 18:50:06 GMT

Only commenting on what I have experience with here...

My old Capital One secured card is on there still showing as charged off, but is paid in full now & when I talked to a rep i tried asking over the phone for it to be removed and nothing there as well, (We're required to report accuarte information, blahh) GOOD LUCK WITH THAT! Dealing with this myself... bummer Cap1 is like the Fort Knox of credit repair... seemingly inpenetrable. Blah.

Credit Protection Association is showing as a collection for comcast. Which do I contact here? Ive read some posts that said if you contact comcast directly they would be willing to remove it, & others have said different. Any suggestions here? If an email address or contact for either are available it would be appreciated! Depends on the situation- I got a $92 balance retracted for payment directly to comcast, my husband had a larger balance years ago that was bogus (they said we still had their equipment, we did not) that took a BBB complaint to get rid of. I would definitely start with Comcast and then try DV'ing CPA (unless you know it is legit?) then, go for the PFD.

Receivables Perform MGT is for a sprint bill of $1301, i need help on how to go about this one as well. Can I call and ask for a settlement, has anybody had any success with them and would they be willing to remove after payment? I seem to remember RPM being very easy to PFD. I had them collecting for a charged of CC years ago. I did nothing in the mail back then, all over the phone- but I am a bit older and wiser now- I would mail PFD letters until you get the response you want, only call them if you never hear back I think.

Good Luck!

Re: Contacts For Goodwills/Update

Anonymous — Tue, 11 Mar 2014 18:52:14 GMT

Call their Corporate office in PA! Worked for us

Re: Contacts For Goodwills/Update

NewYxox — Tue, 11 Mar 2014 19:01:28 GMT

@Anonymous wrote:
Only commenting on what I have experience with here...

My old Capital One secured card is on there still showing as charged off, but is paid in full now & when I talked to a rep i tried asking over the phone for it to be removed and nothing there as well, (We're required to report accuarte information, blahh) GOOD LUCK WITH THAT! Dealing with this myself... bummer Cap1 is like the Fort Knox of credit repair... seemingly inpenetrable. Blah.

Credit Protection Association is showing as a collection for comcast. Which do I contact here? Ive read some posts that said if you contact comcast directly they would be willing to remove it, & others have said different. Any suggestions here? If an email address or contact for either are available it would be appreciated! Depends on the situation- I got a $92 balance retracted for payment directly to comcast, my husband had a larger balance years ago that was bogus (they said we still had their equipment, we did not) that took a BBB complaint to get rid of. I would definitely start with Comcast and then try DV'ing CPA (unless you know it is legit?) then, go for the PFD.

Receivables Perform MGT is for a sprint bill of $1301, i need help on how to go about this one as well. Can I call and ask for a settlement, has anybody had any success with them and would they be willing to remove after payment? I seem to remember RPM being very easy to PFD. I had them collecting for a charged of CC years ago. I did nothing in the mail back then, all over the phone- but I am a bit older and wiser now- I would mail PFD letters until you get the response you want, only call them if you never hear back I think.

Good Luck!

Thanks for the input! As for comcast this has already been PIF and the debt is legit and i did take responsibility for it. I just don't know weather to keep calling comcast back and asking for them to recall the debt from CPA or GW CPA until they agree to remove it. Either way it seems like it would be imposible to get off my reports right now! ugh

RPM is my last debt that i have to pay and i'm waiting until i get another refund to deal with that. The balance is really high and im also not sure weather to settle the account or just pay them in full..