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AT&T / Diversified Consultant Collections

Hanks_Dad
New Member

AT&T / Diversified Consultant Collections

First, I did not start out the correct way. I've had myFICO 3b for three or so years now. Since then, I've been workng very hard and haven't missed a payment in a couple years. Started off with scores in the 510 range and now average 680. It has been a slow steady climb but worth it.

 

I had a debt from AT&T for $350 get sold to Diversified Consultant in May 2017 and show up on my credit report June 27, 2017. 

 

Was it my account? Yes. It was a Cable TV account that my sister was using while I was overseas in Afghanistan working as a contractor for a year. She had always paid the bill on time with her fixed income. Low and behold Jan 2017, she moves out with the flavor of the month and doesn't tell me or pay the bill. 

 

Obviously I learned some very valuable lessions from this experience but I'm wondering if I have any chance of disputing this. 

 

Yes I called AT&T that very day (June 27, 2017) they said they could not take payment and referred me to DC. I told them that I had not received an email, phone call or anything from them notifying me that the monthly bill was not being paid. At the time I was paying them $250-300 a month for phone service, so they knew my phone number, email address and contact information but stuck to (we dont link accounts). The paperless billing that went to my sisters email address was acknowledged by them but I was ultimately responsible because my name was on the account.

 

I call DC and told them the situation. They told me they could not take it off my credit report (found out later after reading here and other places that is a complete lie), So I paid it that very same day it showed up on my credit report. 

 

Yes it was almost 3 years ago but its the only collection I have and irks me to no end every time I see it. It feel its dishonest and they could have helped but chose not too. 

 

I appreciate the expertise on this forum. Any advice other than, "You should have...." is welcomed. Like I said, some hard lessons were learned. but I'd like to fix it if at all possible. 

 

Thank you!

14 REPLIES 14
FireMedic1
Super Contributor

Re: AT&T / Diversified Consultant Collections

Their website doesnt even work. Goes to a server error page. Or on another page it wants you to sign in on a blank page. But heres a story about getting it removed. Plead your case.

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/SUCCESS-Removing-Paid-Collections-Diversifie... 





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 2 of 15
Hanks_Dad
New Member

Re: AT&T / Diversified Consultant Collections

Thank you for the quick response FireMedic.

 

I've been reading that the company does not remove things from credit reports but is also non responsive when challenged. I've also read that half of "credit repair" companies are scammers themselves. I'm currently overseas again so I'm thinking of hiring one to dispute/challenge.

Message 3 of 15
ImTheDevil
Community Leader
Super Contributor

Re: AT&T / Diversified Consultant Collections

Don't hire anybody. You can do it yourself.



Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy cashRewards | Navy Platinum | Apple | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 4 of 15
FireMedic1
Super Contributor

Re: AT&T / Diversified Consultant Collections

No dont do it. Repair companies are rip offs. Read that thread I posted. I cant place the CEO's name here. Follow what that poster did. You may be successful.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 5 of 15
Hanks_Dad
New Member

Re: AT&T / Diversified Consultant Collections

I found him on LinkedIn. I'm gong to try that first.

 

2nd: Currently reading about the processes to dispute on my own.

 

I'll definitely keep ya'll updated on how it all goes.

Message 6 of 15
FireMedic1
Super Contributor

Re: AT&T / Diversified Consultant Collections

Good Luck!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 7 of 15
FireMedic1
Super Contributor

Re: AT&T / Diversified Consultant Collections


@ImTheDevil wrote:

Don't hire anybody. You can do it yourself.


Beat me by 1 minute dude. Smiley Happy





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 8 of 15
egghead88
Regular Contributor

Re: AT&T / Diversified Consultant Collections

You better act quick.... https://www.jaxdailyrecord.com/article/diversified-consultants-closing-jacksonville-hq-laying-off-25...

or better yet... does anyone knows what happens to a CRA dispute if the provider of the information is no longer in business?? 

Message 9 of 15
Hanks_Dad
New Member

Re: AT&T / Diversified Consultant Collections

Thanks! Will definitely research this but I don't see how it can be bad for me! 

Message 10 of 15
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