@moonsun19 wrote:
Hi all.
I had an unpaid bill with Sprint that was sent to Convergent Outsourcing. After reading discussions on this forum, I spoke with Sprint and paid them directly. I was told that if I paid them directly they would recall the account and it would not be reported on my credit reports. I also saved a chat with Sprint that states this so I had documentation. I paid Sprint in April. The account was removed from Transunion/Equifax within 30 days but is still showing on my Experian report.
I was wondering what my next steps should be. I need this removed from Experian as it is the only derrogatory mark on my credit and is hurting my score. I've worked hard to rebuild this past year and would like to remove this final account. Any advice is appreciated. Thank you!
I would recommend to file a complaint with CFPB to have it deleted....it's worth a shot!!! It worked for my fiance!!
He had a cable bill that went into collections and the invoice went to the wrong address, so it hit his credit report. Convergent refused to PFD and we refused to give them a single penny unless they agreed to delete it. Anyway, I had originally disputed this account for his as "not his own account". However, came back verified. Then, I decided that it wasn't fair that he didn't get the bill lol, so I filed the complaint with CFPB that he was never notified etc. Long story short, just today I logged into CFPB and the ticket was closed because Convergent agreed to delete it from all 3 credit reports. We haven't even paid them yet woo hoo. So once it's deleted, then we'll pay the cable company directly.
Overall, I say it's worth a shot!!!!! Say they lied to you and only deleted it off two reports and not one. Clearly, they can delete it. I think dealing with CFPB scares the bejesus out of them. Definitely worth a shot.
Starting Score: 587