Hi All,
I'm new here 
I was just looking to get some advice. I have a collections from TWC Cable. The collection from the original creditor is not longer on my credit report but, I still have an account that says it was opened Jan 2018 from ERC. I tried to call TWC/Spectrum to see if they could look up the account to give me information about the dates as I believe this account is too old but am not sure. They couldn't find it. I am wondering what to do? Should I dispute it? We are trying to buy a home and Quicken states that this is why we cannot get approved. Any help/ advice is definitely appreciated. I really don't know much about repairing my credit but am determined to get into a home! Thanks in advance!
FICO 8 EX 628 EQ 640 TU663
According to Experian my FICO 2 is 557 
What can I do?!
@Anonymouswrote:Hi All,
I'm new here
FICO 8 EX 628 EQ 640 TU663
According to Experian my FICO 2 is 557
What can I do?!
Hello and welcome 
This is a little long-winded, so I'm going to do bullets so it's easier to read. I am having the same ordeal with a different collection agency and this is what I am doing. Hopefully some of the more experienced here can chime in and help us both out.
- Call Time Warner back and ask them to send you a letter stating such (no account on record). While waiting on the letter, call ERC and request them to send you a statement with the account number and charges from the original creditor. They should have that information, since they are trying to collect on it.
- While talking to them, do not even hint that you could have even remotely possibly had an account with Time Warner. Let them know you are simply requesting the information they have so you can look into it, as the account is unknown to you. You don't want anything you say to be misconstrued as you claiming the debt.
- Once you receive their letter, call back Time Warner to see if they can find the account listed on the ERC bill. If they still can't find it, dispute the ERC collection and send the letter from Time Warner as proof that there is no record of the debt.
The reason I suggest doing it this way is because if you dispute first and investigate later, the collection could likely come back verified and updated on your report. I do not believe the CRBs actually complete "real" investigations and instead take a bill from the collection company and call it verified. Maybe Time Warner can't find the account under your name or social, but letters and numbers can be easily transposed. If Time Warner is able to find the account with the information from ERC, they can validate it. Overall, the point is to make sure the collection is not verifiable and be armed with a letter showing no account with them when you dispute.
