ERC Collection Experience?

[Anonymous]

Just found out a charge off from synchrony has moved to a collection agency called ERC. It has not been reported on my credit yet. If I call and settle will they still report it? Will they do PFD?

[FireMedic1]

ERC is not known to PFD if it gets placed on your reports. I take it its from AT&T. If they havent placed it on your reports yet. Get it paid fast and ask that they dont place it on your reports since you responded so quickly. Dont sit on it. They are a rough bunch. Good Luck.

[Anonymous]

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@FireMedic1 wrote:

ERC is not known to PFD if it gets placed on your reports. I take it its from AT&T. If they havent placed it on your reports yet. Get it paid fast and ask that they dont place it on your reports since you responded so quickly. Dont sit on it. They are a rough bunch. Good Luck.

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So after speaking with them today, turns out they were hired by Synchrony Bank to collect their debt. I spoke to two different people who told me they do not report to the credit bureaus only to Synchrony on this matter. They are just responsible for settling the debt and then letting Synchrony report it how they want. I hope this is accurate information. It will be paid off in full by beginning of June. Then the plan is to start a goodwill campaign to Synchrony.
 

[FireMedic1]

Sounds like Sync still owns it and ERC is collecting on their behlaf. Thats good news. Only 1 instead of 2 negs for 1 account on your reports. Yes get it taken care of. Sync is iffy, more on the no side of deleting from GW attempts. But hey its one less neg that could have hampered you for 7 yrs. Good Luck!