topic Re: Enhanced Recovery & Collection Question in Rebuilding Your Credit

Enhanced Recovery & Collection Question

Total80sKid — Tue, 27 Jun 2017 02:10:55 GMT

I have read over posts about ERC not being allowed to report anymore, at least that was the case a year or so ago.

I recently had luck getting some collections removed from my CR's, but I am having trouble with the final 3.

One is from ERC for a $61 balance that I paid over a month ago, before I disputed its validity.

Did I kick myself in the foot by paying it? As far as my CR goes? It's not due to fall off until 2021, yet a couple others I also paid off came off after disputing them.

There are also 2 medical collections reporting from the same business and CA. Both right around $100.

Any suggestions as to possibly getting that paid ERC removed or for the two medical collections that should have been taken care of by my insurance?

My EX has zero baddies now, TU has the paid ERC showing and one of the medical collections, EQ has the paid ERC and both of the medical collections showing.

My EX jumped 42 points after the final baddie came off.

Would love to get these other ones taken care of.

Re: Enhanced Recovery & Collection Question

RobertEG — Tue, 27 Jun 2017 05:52:51 GMT

Once you have paid a debt, there is no longer technically a debt to dispute.

When you disputed, what was the asserted inaccuracy that formed the basis for their required investigation, and what did the Notice of Results provide as the outcome?

As for the medical collections, have you exhausted the possibility of the debt being paid by the insuror?

If you obtain payment by the insuror, the new CRA policy as set forth in their National Consumer Assistance Plan will provide deletion.

Re: Enhanced Recovery & Collection Question

Total80sKid — Tue, 27 Jun 2017 06:36:54 GMT

@RobertEG

I checked the box that requested verifying the data, as some of the info was incorrect.

I also disputed it because I had just paid it and was hoping it would be deleted from my report, like other baddies had been.

As for the medical collections, I am on disability (permanent, anxiety disorder) and have Medi-Care and Medi-Cal.

The office that I received treatment at assured me my insurance covered my visits, as they have signs posted that co-payment was due before seeing the dr, I went along with it and didn't think anything of it.

Cut to a year or two ago when I pulled my annual CR, I saw them on there, but hadn't been trying to take care of my credit yet. I hadn't yet discovered this site.

So now I just don't know if there is anything I can do.

Thank you for your reply!

Re: Enhanced Recovery & Collection Question

RobertEG — Tue, 27 Jun 2017 17:36:16 GMT

Having paid the debt does not provide a basis for disputing the accuracy of continued inclusion of the collection in your credit report.

What was the asserted inaccuracy that formed the basis for your dispute?

Re: Enhanced Recovery & Collection Question

Total80sKid — Tue, 27 Jun 2017 20:31:02 GMT

Oh and I have not received any Notice of Action from either of the 3 CB's, which I find odd.

One of them I disputed through CK with TU on May 8th and it still says there's an open Dispute. Not sure what to do about that.

Well, the inaccuracy was me thinking that since I paid it, I no longer owe it, therefore thinking it meant it should be deleted, but I see now how that is not the case.

I really think CA's or OC's should have an incentive for people to pay their bills. Such as it no longer showing on your CR.

I think it's unfortunate that had I not paid it, it would probably be off of my report now, but since I did the right thing and paid it, I'm 'punished' for another 4yrs.

Something definitely wrong with that.

Re: Enhanced Recovery & Collection Question

RobertEG — Wed, 28 Jun 2017 00:16:03 GMT

Collections, whether paid or unpaid, have the same credit report exclusion date of no later than 7 years plus 180 days from the date of your first delinquency on the OC account ("DOFD").

Paying did not affect when the collection will become excluded.

The CRAs rountinely exclude at approx. 7 years from the DOFD.

Re: Enhanced Recovery & Collection Question

Total80sKid — Wed, 28 Jun 2017 02:31:04 GMT

I know, but they deleted unpaid collections and would most likely had deleted this paid $61 collection that will probably prevent me from any CLI or new card that pulls TU, such as Synchrony, for over 4yrs.

Pretty steep punishment if you ask me.

Re: Enhanced Recovery & Collection Question

AllCredit — Wed, 28 Jun 2017 18:30:50 GMT

Having collections on my report didn't keep me from getting a CLI from synchrony, Amex or Discover...nor did it stop Amex, Chase and PenFed from giving me new CCs...

Re: Enhanced Recovery & Collection Question

Total80sKid — Thu, 29 Jun 2017 07:06:07 GMT

Sadly, it has stopped me.

I just got approved for an AMEX with my highest SL yet, and I can't get a CLI on my Amazon or a couple other cards because they say I have collections on my report.

The only reason.

Fortunately AMEX only pulled EX and that report is now completely baddie free.

I believe Amazon pulls from TU here in CA.

Just tried again tonight for an Amazon CLI and got the 7-10 day letter thing.

I'm happy that my credit is progressing, but I know now not to pay collections (not that I will get another one) anymore since they will stay on the report and haunt me as opposed to not paying and getting them deleted.

Re: Enhanced Recovery & Collection Question

rmduhon — Thu, 29 Jun 2017 07:26:05 GMT

Paying or not paying a collection, in and of itself, is not a reason for deletion. In fact, any collection that was deleted before the end of the credit reporting time period can reappear on your reports up until the credit reporting time period ends.

Re: Enhanced Recovery & Collection Question

AllCredit — Thu, 29 Jun 2017 13:41:02 GMT

@Total80sKid wrote:
Sadly, it has stopped me.

I just got approved for an AMEX with my highest SL yet, and I can't get a CLI on my Amazon or a couple other cards because they say I have collections on my report.

The only reason.

Fortunately AMEX only pulled EX and that report is now completely baddie free.

I believe Amazon pulls from TU here in CA.

Just tried again tonight for an Amazon CLI and got the 7-10 day letter thing.

I'm happy that my credit is progressing, but I know now not to pay collections (not that I will get another one) anymore since they will stay on the report and haunt me as opposed to not paying and getting them deleted.

I see...that should lessen over time...I had an issue with ERC (my mistake was paying ERC instead of the orginal account holder, much better chances of having it pulled back that way, not guranteed though) as well, I started the saturation method and was only a couple months in when I started looking for my DOFD for the account I had with them (knowing I always paid but always paid late on that particular bill - T-Mobile) so I contacted T-Mobile and got ALL of my bills back to Nov 2009 (I determined thats how far back I needed to go to have it removed) I disputed DOFD with each CA and sent in ALL the bills up until the day the account was closed.

Some have been lucky with GW letters, but I think consistnency on the request is key...

Re: Enhanced Recovery & Collection Question

Total80sKid — Thu, 29 Jun 2017 23:07:11 GMT

@rmduhon

I'm fine with stuff popping back on my reports.

I have the card I really wanted and am gardening fir st least a few months

@AllCredit

I haven't gone the GW route yet, am waiting until July 8th, to get my 3B reports from CCT and I will go from there.

On a positive note, a call to Credit Solutions earlier today, yielded me my first Amazon CLI.

''Twas a nice surprise.

Re: Enhanced Recovery & Collection Question

Anonymous — Fri, 30 Jun 2017 00:15:09 GMT

I had an ERC collections hit on my CRA a few years ago, I decided to nut up and we came up with a PFD agreement.

Always ask for a PFD when it comes to medical collections, I have found they will more than likely grant it. In your case since it's already paid there really isn't much you can do about it. I have disputed collections accounts in the past for no reason at all and have had them removed after a PIF then they never showed back up even after the CRA/OC refused to remove them, sometimes you will get lucky cause the CRA/OC will not respond within the time span they are required to provide proof and it just gets removed. YMMV when it comes to deletions of collections accounts on your CR. I have zero at the moment but once upon a time was sitting at around 5-6 about 3-4 years ago.

Re: Enhanced Recovery & Collection Question

Total80sKid — Fri, 30 Jun 2017 03:15:20 GMT

@Graphitezoe

Thank you, for the tips!

I've always had collections on my reports since I was 18. Usually medical and utilities. Dumb and young, regarding the utility collections.

I don't know what has clicked in me the past few months or so, but I'm super gung ho about getting good credit.

I think it's my age as I just turned 39 and really want to get my own home st some point.

I am very low income, but have managed to not miss a payment or be late on any of my cards as far back as early 2011, which I'm super proud about.

It's nice seeing a baddie free EX report.

Hoping to get the other two clean, but they aren't leaving as quick as they did on EX but TU seems somewhat hopeful and then EQ looks to be the toughest.

Thanks again to all who read my ramblings

Re: Enhanced Recovery & Collection Question

Total80sKid — Fri, 30 Jun 2017 07:28:10 GMT

I finally just got my Experian Dispute results back and all 4 of the items were marked as deleted.

Does this mean they can't/won't come back on my report now?

Re: Enhanced Recovery & Collection Question

Total80sKid — Sat, 01 Jul 2017 21:34:32 GMT

Anyone know?

Just don't want to keep worrying if I don't have to.

Re: Enhanced Recovery & Collection Question

rmduhon — Sat, 01 Jul 2017 22:05:32 GMT

What exactly did the results say?

Re: Enhanced Recovery & Collection Question

Total80sKid — Sun, 02 Jul 2017 00:03:48 GMT

On all 4 it says:

Outcome: Deleted - This item was removed from your credit report.

Please review your report for the details.

Re: Enhanced Recovery & Collection Question

Total80sKid — Sun, 02 Jul 2017 00:05:20 GMT

How to read your results
• Deleted - This item was removed from your credit report
• Remains - This item was not changed as a result of our processing of your dispute.
• Updated - A change was made to this item; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you.
• Processed - This item was either updated or deleted; review this report to learn its outcome

Credit Items
ENHANCED RECOVERY CO L
Account Number: Outcome: Deleted - This item was removed from your credit report. Please review your report for the details.
ENHANCED RECOVERY CO L
Account Number: Outcome: Deleted - This item was removed from your credit report. Please review your report for the details.
KINGS CREDIT SERVICE
Account Number: Outcome: Deleted - This item was removed from your credit report. Please review your report for the details.
KINGS CREDIT SERVICE
Account Number: Outcome: Deleted - This item was removed from your credit report. Please review your report for the details.

Re: Enhanced Recovery & Collection Question

Total80sKid — Mon, 03 Jul 2017 20:28:22 GMT

Anyone? Please?? 😇