So, we all know Commonwealth Financial Systems will PFD.
Well, I set up a deal with them on an account @ ~40%. So, a couple of days later they jump RIGHT on with ANOTHER one(eta: medical) that has bounced from CA to CA thru the last 6.11 yrs. UGH!! So, in a last ditch effort to collect, they bring my TU score(was my highest) plummeting to its almost death. Luckily for me, their attempt will be short-lived. As the account reaches its full CRTP exclusion 11/28/2019 😉
We should all pay our debts owed. But I have tried years ago to try and pay this but was never given a break on the amount and I just left it alone, frustrated. I haven’t seen this account in a few years and Phoenix Financial Services had it last(contracted by Pendrick Capital Partners) and they dropped from my reports awhile back.
Interesting how a collection can loom so long unreported and then BAAM-sucka punch ya when you least expect it...right at the end! Needless to say, I’ve never had one do this before-so, I was a bit surprised. I called TU IMMEDIATELY to see if it was eligible for EE, but the CSR stated, “It will reach its exclusion date next month. Would you still like to dispute the account?” “Uhm, no thank you,” I said kindly.☺️
So, next month it’ll be excluded. Then, I will take care of the one for 40% and be done with them. That should(?) HOPEFULLY(?) BE(?) my last collection and finally be collection free, AGAIN!!...at least.
So, for future reference: if you owe a CA? Try and find out if they have any other accounts on file(not just the one you are trying to inquire about) so that you can take care of them, as well. Most CA will tell you that you have other accounts within their records(well IMOE they have.) YMMV
IT IS possible that they may have JUST been given collection authority and that is why it showed up(?)
I❤️NY
Well, I set up a deal with them on an account @ ~40%. So, a couple of days later they jump RIGHT on with ANOTHER one(eta: medical) that has bounced from CA to CA thru the last 6.11 yrs. UGH!! So, in a last ditch effort to collect, they bring my TU score(was my highest) plummeting to its almost death. Luckily for me, their attempt will be short-lived. As the account reaches its full CRTP exclusion 11/28/2019 😉
We should all pay our debts owed. But I have tried years ago to try and pay this but was never given a break on the amount and I just left it alone, frustrated. I haven’t seen this account in a few years and Phoenix Financial Services had it last(contracted by Pendrick Capital Partners) and they dropped from my reports awhile back.
Interesting how a collection can loom so long unreported and then BAAM-sucka punch ya when you least expect it...right at the end! Needless to say, I’ve never had one do this before-so, I was a bit surprised. I called TU IMMEDIATELY to see if it was eligible for EE, but the CSR stated, “It will reach its exclusion date next month. Would you still like to dispute the account?” “Uhm, no thank you,” I said kindly.☺️
So, next month it’ll be excluded. Then, I will take care of the one for 40% and be done with them. That should(?) HOPEFULLY(?) BE(?) my last collection and finally be collection free, AGAIN!!...at least.
So, for future reference: if you owe a CA? Try and find out if they have any other accounts on file(not just the one you are trying to inquire about) so that you can take care of them, as well. Most CA will tell you that you have other accounts within their records(well IMOE they have.) YMMV
IT IS possible that they may have JUST been given collection authority and that is why it showed up(?)
I❤️NY
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I had 2 medical collections on my reports for $78 each. I called to just pay them and they said, "Ok but you have 2 other accounts with us: one for about $1,800 and the other for like $28,000." I was like uuhhh I need to call you back and just never took care of it. Not sure why they put the $78 collections on my reports and the other massive amounts, but they're over 7 years old now, so I know they won't be creeping back on my reports.
I also had another collection from a payday loan I got back in like 2012. They were calling me and hounding me, so I just paid it. It was removed from my reports and then like a few weeks later, it showed back up! Apparently, another CA had gotten the account and was trying to collect after I had paid it. I sent them a nice little letter explaining that they did not have collection authority and they needed to remove the account immediately. It was gone within a few days or weeks.
