topic Dispute of Collection in Rebuilding Your Credit

Dispute of Collection

Anonymous — Mon, 22 Feb 2010 22:24:42 GMT

Would it be a reasonable argument to dispute a CA trade line with the CRA, when the OC got paid off directly and completely. In other words, I have never dealt with the CA. OC accepted my payments without argument. Thanks for all of your collective wisdom !!

Re: Dispute of Collection

Anonymous — Mon, 22 Feb 2010 22:35:04 GMT

John good question....

Re: Dispute of Collection

laz98 — Mon, 22 Feb 2010 23:33:19 GMT

has enough time gone by that they should have removed it on their own?

when we paid my gf's university debt off, the CA fell off by itself.

Re: Dispute of Collection

Anonymous — Tue, 23 Feb 2010 00:16:54 GMT

Had the account already been placed with the CA before you paid the OC? What is the CA account showing?
@Anonymous wrote:
Would it be a reasonable argument to dispute a CA trade line with the CRA, when the OC got paid off directly and completely. In other words, I have never dealt with the CA. OC accepted my payments without argument. Thanks for all of your collective wisdom !!

Re: Dispute of Collection

Anonymous — Tue, 23 Feb 2010 03:16:26 GMT

Yes, it was already placed with the CA, and it is realtively new. Less than a year old.

Re: Dispute of Collection

Anonymous — Tue, 23 Feb 2010 03:28:53 GMT

Is it showing paid or unpaid?

Legally they can report since it went to collections before you paid the OC. But since you paid the OC you can send them a DV letter and they may not have records any longer.

Re: Dispute of Collection

LIGHTNIN — Tue, 23 Feb 2010 03:32:12 GMT

What type of debt was it? Who is the CA? Is the CA updated as paid?

Did you tell the OC, that there was a CA on your CR? Is this for a library book?

Message Edited by LIGHTNIN on 02-22-2010 10:32 PM

Re: Dispute of Collection

Anonymous — Tue, 23 Feb 2010 15:09:39 GMT

It is a medical issue. The CA is called Ernst Artmann & Associates (Orange County Calif). I visited the OC in person last year. They said: "too late, we already hired the CA". Also, I purposely overpaid them by about $25.00, just to see if I would ever get any change back. Before I decide if and when to blast 'em, I need evidence. Also, while we're going, I have tried in the recent past to find out about this CA here on Myfico (and on the Internet), and nobody seems to know anything about them, whether they are PFD friendly, or anything else. The only info I could find was on a local BBB site. Only minor complaints, nothing big.