topic Re: im confused in Rebuilding Your Credit

im confused

Anonymous — Sun, 04 Jan 2009 05:26:43 GMT

So.. EX, EQ removed a med collection from my credit report, and TU came back verfied.....

I talked to the Collection Agency, which was listed for 2 med collections I had on report...1 was removed, from all 3...And there other was removed on all but TU....The only reason I called because I felt like I was going in circles with these two collection accounts---But during my conversation with a lady who helped me settle the 1 account, they didnt seem to see the other account they are suppose to have for me--- When I first called I got a lady, who seemed like she couldnt pull up my info, she transfered me to another lady...This lady was able to pull me up, but only for the 1 $700 account---I asked about having another account with them and said I couldnt remember if it was with them or not(even though I knew it was)....She said " no there is this account for $700, and another that was removed" which was one I had know idea about, that has never been on my account...My question is, why can they not find my info on file????? I had spoke with the original collectors and there the ones that said I would have to talk with that Collection Agency because that account is being handled by them now...(and she did say that it was only assigned to them not sold)

Re: im confused

mamalawery — Sun, 04 Jan 2009 06:06:37 GMT

the collection agency may have sold the acct to another ca. it also may have been a duplicate acct.

Re: im confused

Anonymous — Sun, 04 Jan 2009 06:49:05 GMT

then how can it have came back verfied from TU--I thought if they sold it, then they no longer report....

Re: im confused

Anonymous — Sun, 04 Jan 2009 14:16:08 GMT

If the CA sold the account or gave it back to the OC, they can not report and must remove it from your CR.

You should not talk to a CA for any reason. Not even for something like this.

The best thing to do is send them a DV letter. It puts the burden of proof on them. If they can not validate they must remove the account.

As for it being verified, the CRA is more than likely using a computer data base to get their information and not talking directly to the CA. If your information remains in the database, it will continue to come back verified.

Re: im confused

mamalawery — Thu, 08 Jan 2009 03:43:53 GMT

sometimes they haven't reported in a while so look at the last time it was vrfd, but it may still show up from the last time they did. ca's on the cbr's are horrible and a pain.