topic Re: Paid a debt to OC - CA reports as "PAID" in Rebuilding Your Credit

Paid a debt to OC - CA reports as "PAID"

Anonymous — Mon, 27 Jul 2009 22:00:43 GMT

Hello. I recently paid off an old TMobile debt of around 200 dollars. I called tmobile directly, and I was told I was in fact speaking with tmobile. My bank records also indicate that the amount was paid to Tmobile.

The CA was Superior Asset management. I was udner the assumption that if I paid the OC, the CA would have to remove the listing as I did not pay THEM.

But I guess there is always the chance I was played, though the bank statement reading "T-MOBILE TEL PAYMENT 800-937-8997" seems to show it was in fact tmobile I paid directly.

Re: Paid a debt to OC - CA reports as "PAID"

BungalowMo — Mon, 27 Jul 2009 22:10:24 GMT

@Anonymous wrote:
Hello. I recently paid off an old TMobile debt of around 200 dollars. I called tmobile directly, and I was told I was in fact speaking with tmobile. My bank records also indicate that the amount was paid to Tmobile.

The CA was Superior Asset management. I was udner the assumption that if I paid the OC, the CA would have to remove the listing as I did not pay THEM.

But I guess there is always the chance I was played, though the bank statement reading "T-MOBILE TEL PAYMENT 800-937-8997" seems to show it was in fact tmobile I paid directly.

I'd call t mobile & ask them to call off the dogs! CA can't report when debt is paid to OC.

Re: Paid a debt to OC - CA reports as "PAID"

Anonymous — Mon, 27 Jul 2009 22:11:40 GMT

You paid without anything in writing stating that the OC would pull the assignment from the CA..The OC always notifies the CA of a payment.

You need to send GW to the CA.

You can always try to have the OC contact the CA and have them delete the reporting. I would do so in writing though.

Re: Paid a debt to OC - CA reports as "PAID"

Anonymous — Mon, 27 Jul 2009 22:16:48 GMT

Thats what I thought... Tmobile is trying to tell me I have to take it up with them myself.

edit: GW a CA? Didnt even know that worked.

Message Edited by Plight on 07-27-2009 03:16 PM

Re: Paid a debt to OC - CA reports as "PAID"

hawkfan — Mon, 27 Jul 2009 23:17:12 GMT

^^^ I've tried to GW two old medical collections through the CAs and haven't heard back yet. They got paid 5 and 6 years ago respectively. You'd think they'd just stop reporting the darn things by now on their own or at least respond to my letters, sheesh.

Re: Paid a debt to OC - CA reports as "PAID"

Anonymous — Mon, 27 Jul 2009 23:21:14 GMT

CAs usually are assigned 1 or 2 years after they were due. If you know the Date of Service you might get them deleted. Medical collections delete 7 years from date of service.

Or you can have them deleted using the HIPAA process.

Re: Paid a debt to OC - CA reports as "PAID"

hawkfan — Mon, 27 Jul 2009 23:36:24 GMT

^^^ I know we can't dicuss the HIPAA process in detail here, but I am considering that as my next step. I wanted to give the GW letters a shot first just to see if the CAs would just delete the collections since they are sooo old anyway. I'll give them another week or two to at least respond to my letters first. BTW, sorry for hiijacking this thread.

**Quick Edit** Did you say date of SERVICE? If that's indeed the case who could I send that info to in order to get one of my collections deleted? The CRA? The date the collection was opened was in was in May of '03 but I know for a fact the "service", an ACL knee support brace, was provided in late '01 to early '02. According to Experian, this collection is scheduled to come off in Oct 2011. That's a pretty darn big discrepancy.

Message Edited by hawkfan on 07-27-2009 04:36 PM