topic Re: Collection account help in Rebuilding Your Credit

Collection account help

Anonymous — Sat, 28 Mar 2020 16:16:05 GMT

I am hoping I can get some help on handling a collection account . I got an alert that it hit all 3 reporting agencies. It's through Sequim for $290 over AT&T. They never sent me a letter it was turned over but since I'm trying to buy a house I paid it in full yesterday. Should I dispute to get the account removed and provide proof it's paid? I don't think the collection agency will do a pay for delete.
I took a 25 point hit 😩 thanks for any help!
it's the only collection on my report.

Re: Collection account help

Remedios — Sat, 28 Mar 2020 16:48:23 GMT

Hi and welcome to the forums @Anonymous

Pay for delete doesnt really work after you already paid. There is no incentive there for them to remove. CAs that do PFD are still in minority.

If course, you can call and ask, cannot hurt.

As far as disputing, more likely than not, it will come back as verified, and you will lose more points.

Besides, what would be the basis for your dispute?

Check with CA and see if there is a chance they will remove. Typically, CAs that collect on behalf of telecom companies will not remove their reporting

The only way that happens sometimes is by calling original lender and asking them to recall collection in exchange for payment. Original account stays, but it helps avoiding double whammy, negative from OC reporting and CA reporting.

Unfortunately, you already paid, so that's out the window, too.

Re: Collection account help

Anonymous — Tue, 10 Nov 2020 01:35:21 GMT

Hi there.

I am having the exact same problem, never billed from AT&T, sent to Sequim. I'll add I've never received a notice of collections from Sequim, I'll get into that in another post though.

Anyway, did you by chance call ATT to pay them the charge? Did the collections get removed?