First, thank you all for your great replies.
Tex, you're right, I should get both the CO and the collection validated. Although the idea disagrees with my general sloth, I guess I'm not going to argue with you about the need to have everything in writing.
Trini, I did pay it off completely, but I did not close the account because I was told that might hurt my credit. Obviously, I should have gone ahead and done it. It doesn't have an annual fee, so I'm going to have to call Chase to figure out the source of the balance (~$300). The cable bill is about $50, and I am willing to pay off both. I guess the PFD is the way to go as you said. Is it even worth contacting Time Warner anymore, or should I just deal with the CA? Thanks again.
Message Edited by adrevolution on 07-14-2007 01:03 PM
Tex, you're right, I should get both the CO and the collection validated. Although the idea disagrees with my general sloth, I guess I'm not going to argue with you about the need to have everything in writing.
Trini, I did pay it off completely, but I did not close the account because I was told that might hurt my credit. Obviously, I should have gone ahead and done it. It doesn't have an annual fee, so I'm going to have to call Chase to figure out the source of the balance (~$300). The cable bill is about $50, and I am willing to pay off both. I guess the PFD is the way to go as you said. Is it even worth contacting Time Warner anymore, or should I just deal with the CA? Thanks again.
Message Edited by adrevolution on 07-14-2007 01:03 PM
adrevolution wrote:
First, thank you all for your great replies.
Tex, you're right, I should get both the CO and the collection validated. Although the idea disagrees with my general sloth, I guess I'm not going to argue with you about the need to have everything in writing.
Trini, I did pay it off completely, but I did not close the account because I was told that might hurt my credit. Obviously, I should have gone ahead and done it. It doesn't have an annual fee, so I'm going to have to call Chase to figure out the source of the balance (~$300). The cable bill is about $50, and I am willing to pay off both. I guess the PFD is the way to go as you said. Is it even worth contacting Time Warner anymore, or should I just deal with the CA? Thanks again.
Message Edited by adrevolution on 07-14-2007 01:03 PM
Well then you need to call them to explain the charges.
And yes, PFD would be the way to go.
With the Cable bill, I'd call Time Warner first, if you can work with the OC its always better than dealing with the CA. Unfortunately once the account is sold to the CA then you'll have no other choice but to work the with CA, in that case I recommend limiting communication with them to in writing only.
Trini, thanks for being such a great help. Are you from Trinidad? I had a great friend in college who was from there, and he was a really helpful person. So it might be something in the water...
I was advised by the person to who recommended myFico to me to go ahead and dispute the CO and the collection with the three agencies. But this is not a situation that can be resolved with a dispute, right?
Thanks again!
adrevolution wrote:Trini, thanks for being such a great help. Are you from Trinidad? I had a great friend in college who was from there, and he was a really helpful person. So it might be something in the water...I was advised by the person to who recommended myFico to me to go ahead and dispute the CO and the collection with the three agencies. But this is not a situation that can be resolved with a dispute, right?Thanks again!
Yes, I am from Trinidad, and while we are generally nice people, I have to say, I'm the nicest of them all
.......totally kidding.
.......totally kidding.We do not recommend disputing information that we know to be accurate. It's one thing if it's too old to be on your report, or you know for a fact that it's not yours, or the info. is inaccurate in some way. If it is yours the way to go is to get the matter settled.