If they had collection authority or were the owners at the time you settled it then they can report for a max of 7.5 yrs from the OCs DoFD. It is irrelevant that it shows open as the balance is 0 and dont dispute it anymore all you are doing is making it look like a new derog in the eyes of Fico as Fico goes off the status date for time since delinquency. To try and remove it you would begin a GW letter campaign asking for removal of the TL
Just to share an update, received notification from EQ this morning that the dispute results were in. I called them and the collection account was removed due to them not responding! Haven’t seen my updated score yet, but hoping for a decent bump!
Well, received some disappointing news this morning. I had not seen the account removed from my CR yet so I called EQ and apparently I misunderstood the person I spoke to on Friday. The account was not removed and JH Portfolio verified by updating the account with EQ to 180 days late. This is frustrating as I have no idea who JH Portfolio is and how they are involved, I never had any contact with them nor did my payment go to them. I have found no tie between JH Portfolio and Credit Control LLC. Should I contact JH Portfolio directly regarding their reporting and ask them for details? Should I write a GW letter? I’m lost on what to do, but want this collection account cleaned up.
I did a Google search and JH Portfolio Debt Equities, LLC uses a variety of names, and a network of other companies, to collect on old debts. One of them, is Credit Control LLC, which you named. You can also find them on the Better Business Bureau and see what others are saying about this company. They do not look like a company that plays nice. I hope this information helps.
JH Portfolio is impossible to deal with. They do not respond to letters and do not answer phone calls. Can you share how old the debt is, and the amount and what state you are in?
The collection account shows first added in 12/2017 (OC is no longer reported). It shows “On Record Until February 2023”. The debt has been paid off, balance of $0. I am in GA.