How do I know if a collection was put on me?

[Brian_Earl_Spilner]

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@MeCasa wrote:

I called TransUnuion and they said that utilities cannot put you into collection but Convergent can. I don't know how that works but it sure sounds that utilities CAN put us in collection and report it.

Next question: How can I get it off of there?

I hate this suff  :-(

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You didn't thoroughly read what I posted.

Utilities don't report to the credit bureaus.

Utilities can hire collection agencies. 

Collection agencies can report to the credit bureaus. 

Verizon won't report the derogatory, the collection agency they hired will.

I see you already spoke to convergent and Verizon, but you weren't clear about what happened. Sounds like convergent said since paid within 30 days, they won't report. which is what you want if thats the case. 

Based on the conversation you had with Verizon, you didn't ask them to recall the debt, or they didn't do it. They have no control over what convergent reports which is why they said they don't delete collections. They can only take away the collection agency's authority which will remove their reporting. That only works if Verizon recalls the debt BEFORE you pay it. If you pay Verizon directly and they haven't recalled the debt, the account will be closed and they'll notify convergent who will report the paid collection. 

[MeCasa]

You are right ...I do not understand. I've never been a big borrower and was able to borrow what little I needed without problems so I never got involved. I see online that there are company's like Lexington Law that take care of debt problems...are they an option

I'm a smart guy, but I'm too old and too tired to strat learning the complexities of this unfair system which is why I never paid attention. I feel helpless playing a game that I don't even know the rules

Mike

[MeCasa]

Give me a day to digest what you already said. You are a smart guy with gajillion posts and I need to completely understand what you are saying.

Thanks for the help.  :-)

[Brian_Earl_Spilner]

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@MeCasa wrote:

Give me a day to digest what you already said. You are a smart guy with gajillion posts and I need to completely understand what you are saying.

Thanks for the help.  :-)

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We can figure it out. Did you pay the debt? If so, who did you pay? 

[MeCasa]

Yes, I paid $82 to Convergent. Verizon said they wouldn't talk to me till it was paid. Whether I owed it or not is debatable but the fact that it's their playing field is not debatable....it seemed like the smart move

Mike

[Brian_Earl_Spilner]

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@MeCasa wrote:

Yes, I paid $82 to Convergent. Verizon said they wouldn't talk to me till it was paid. Whether I owed it or not is debatable but the fact that it's their playing field is not debatable....it seemed like the smart move

Mike

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Ok, then you need to speak to convergent to verify they won't be reporting or to request they remove the collection if they are. Verizon has nothing to do with it anymore. They can't tell convergent how to report it.

[MeCasa]

Report what, the collection has been documented and the only thing they'll report now is that it's paid. They swear to me that they cannot delete the collection.

[MeCasa]

I missed your #11 post. The truth is I'm just learning how the forum works...I'm not a forum kinda guy  :-)

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#11 post. But I do understand most of that

You said: That only works if Verizon recalls the debt BEFORE you pay it.

Not the case

You said: If you pay Verizon directly and they haven't recalled the debt.

too late

Next ?

[MeCasa]

Verizon called, read me a bunch of legalistic mumbo jumbo that said they were within "fair reporting guidelines" blah blah blah, this wasn't a robot but a live person trained to be a robot with no interest if they are right or wrong

Do I have any options left?

[MeCasa]

Thank you fot your help Brian. I was overstressing a serious credit drop but they already moved me back up to 705, it's not where I was but it's good enough to borrow the money that I need. It would crush me to let the kids down.