topic Need Help with Account in Collection in Rebuilding Your Credit

Need Help with Account in Collection

Anonymous — Fri, 15 May 2009 18:38:33 GMT

Hi Everybody

I am new to this forum but have been looking around and you all seem to give awesome advice! So here is the deal.

My husband had a court thing back in 2001-02 and had to pay fines in the amount of $430 for his punishment. At the time he was 18 and I guess his mom was taking care of it for him. So fast forward to May 6, 2009 we get an update on his credit saying that an account has gone into collections. I contact the collections office and they tell me that it was from not paying his court fines from 2001-02. They just received the account in February. So we went down to the court and paid the fines and then went to the collection place next door and said here is our receipt for paying the fees to the court can you please remove this. They told us the only thing they can do is report paid. I know this is not true they are just to lazy and lame to lift a finger. So my question is what letter do I start with and do I send it to the Collection Agency or to Experian?

Also he has 3 other collections that were all paid in 03-04 and are just sitting on his credit and say paid. Can he write a letter to see if they will take those off? I really appreciate all of your help. My husband has worked really hard in the last three years to get his credit up and I hate to see this ruin it all for him.

Thank you

Re: Need Help with Account in Collection

Anonymous — Fri, 15 May 2009 19:03:22 GMT

If it is reporting as a collection it must be deleted approx 7 rears from DOFD. The date paid doesn't matter! DOFD should be 2001 or 2002 whenever the pirst payment was missed.

Too bad that they just received the debt in Feb. CRTP is approx 7 years from DOFD. You should be able to find out when he was to pay this. CRTP uses month & year.

I would mail them A DV CMRRR along with the past SOL letter.

On the 3 collections that he paid in 2003-04, What was the DOFD on them?

Re: Need Help with Account in Collection

Anonymous — Fri, 15 May 2009 20:24:41 GMT

Well he has already paid the one that just showed up and that is why we are trying to get them to delete it because after only 2 weeks of it showing on his credit we paid in full. The only dates on there say 2/2009. When we paid it they said that they cant delete it the only thing they can do is say paid and we all know that isnt any better then having it not paid!

His other ones that he paid were, 11/2004, 3/2003, 9/2002 that is DO (Date Open)

Re: Need Help with Account in Collection

Anonymous — Fri, 15 May 2009 22:32:00 GMT

Date open doesn't matter.

If you haven't yet, pull your free annual reports. You'll need a report directly from the CRA to see what the DOFD being reported is. EQ shows DOFD, EX and TU should show a removal date.

Re: Need Help with Account in Collection

Anonymous — Fri, 15 May 2009 23:45:42 GMT

I ordered his free report a bit ago but I screwed up which reports that I wanted and just chose the one and now I cant get another free report because it looks like I already did.

Isnt there a letter that I can write the collection agency for this new one and say "Look I just paid the collection like not even a month after being notified of it, so can you please delete it instead of just saying paid?"

Re: Need Help with Account in Collection

medicgrrl — Sat, 16 May 2009 14:16:23 GMT

You should be able to go back on annualcreditreport.com and still order the other 2. I have had to exit the internet before and then go back and it allowed me to complete the other ones.

On the CA's, when was the court date-month & year? If it has been 7 years then they must delete the CA from the reports. If they are refusing to delete and it has been 7 years then he needs to dispute it with the CRA's due to CRTP having expired. On the others, when was he first delinquent on the accounts (with the original creditor) that caused them to become collections? Since they have been paid for several years now they really shouldn't be hurting the scores as much. You could always GW those and ask that they be removed. To do that you would write a letter directly to the CA requesting they remove them. Kill em with kindness in the letter and explain how he has worked hard to reestablish credit blah blah blah

Re: Need Help with Account in Collection

Anonymous — Mon, 18 May 2009 17:35:07 GMT

You should be able to go back on annualcreditreport.com and still order the other 2. I have had to exit the internet before and then go back and it allowed me to complete the other ones.

Ok I will try that.

Where is a good GW letter that I can use? Also the new collection account that I am most concerned with says this on his credit:

DO: 2/09

Reported Since: 3/09

Date of Status: 3/09

Last Reported: 3/09

Type: Government

So even though the court issue happened the end of 01 they didnt report it to collection until 03 I believe is when the collection people said they got it but that they didnt report it until this year. Dose he have any rights at this point? We have already paid it we just want them to remove it now.

Please help it already dropped his score like 85 points!!!

Re: Need Help with Account in Collection

Anonymous — Tue, 19 May 2009 01:34:38 GMT

Are you talking about a regular collection or a judgment/lein?

You need to know DOFD!

If you have an EQ report from EQ, it will show DOFD. On EX and TU it will show removal date.

Re: Need Help with Account in Collection

Anonymous — Tue, 19 May 2009 15:39:40 GMT

Are you talking about a regular collection or a judgment/lein?

It is not a Judgment it was fines he had to pay that was part of his punishment. He thought his mom was taking care of it and a year later they sent it over to collections but collections didnt report it to EXPERIAN ONLY until February of this year.

You need to know DOFD!

If you have an EQ report from EQ, it will show DOFD. On EX and TU it will show removal date.

They didnt report to EQ so on EX it says 2015 removal!

Re: Need Help with Account in Collection

Anonymous — Tue, 19 May 2009 15:42:21 GMT

kamm165 wrote:
Are you talking about a regular collection or a judgment/lein?

It is not a Judgment it was fines he had to pay that was part of his punishment. He thought his mom was taking care of it and a year later they sent it over to collections but collections didnt report it to EXPERIAN ONLY until February of this year.

You need to know DOFD!

If you have an EQ report from EQ, it will show DOFD. On EX and TU it will show removal date.

They didnt report to EQ so on EX it says 2015 removal!

If removal is listed as 2015, they are reporting DOFD in 2008.

Contact the courts, find out when the fines occured, what payments were made and when the payments stopped.

Re: Need Help with Account in Collection

Anonymous — Wed, 20 May 2009 15:47:56 GMT

Ok so when we first found out about this collection we didnt think it was his because when I called without an account number the collection agency couldnt find his name or anything even by using his social. So I called Experian to say that this wasnt his account and put it into dispute. Turns out the collection agency has the wrong social and also has my husbands old last name. This was a couple weeks back. Well I just got an email from Experian saying that the collection has been deleted!!!! So is there any chance they can come and bite him in the butt again or are we good?

Re: Need Help with Account in Collection

Anonymous — Wed, 20 May 2009 18:56:57 GMT

Re: Need Help with Account in Collection

Anonymous — Wed, 20 May 2009 19:04:33 GMT

When an item is deleted due to a dispute, before it can be reinserted, the CRA must notify you within 3 days and take precautions to certify it is true and accurate.

Doesn't mean this always happens, but this is how it is supposed to happen.

If it is paid and beyond CRTP, I wouldn't worry too much. But do keep an eye on reports, at least twice per year.