Hi All, been long 3 years since I screwed up with my credit. I have settle all my CO account but the final one which was sold to a debt buyer JD Prot Collection in CA. They have reported into collection debt, so I tried to contact them to settle. They said they do not process payment and has pass the the collection to another company in NY. I contacted that company and they said they foward to another company call Credit discovery mangament to collect. I called and email them serval time, and not reply from them. Is there a way for me just settle with the account buyer? This account will hit 4 year next year, and I want it to be off my / settle already so I can rebuild correctly. Any suggestion or help??
Thanks.
I agree start with what's on your credit report and if you have no luck dispute it, at the very least the credit bureau will have to provide contact info they used to verify.
Starting Score: 727I actually got the information from myfico report for the current debt owner. But current debt owner saying they can't process payment which is kind of stupid. This collection is the only thing that really effect my negative reports, everything else is on track now.
@ZS1988 wrote:I actually got the information from myfico report for the current debt owner. But current debt owner saying they can't process payment which is kind of stupid. This collection is the only thing that really effect my negative reports, everything else is on track now.
If they say they cannot process payment but they are the current debt owner, report them to the CFPB and the BBB. At the very least you'll get someone's attention to get it processed or start the ball rolling to get it removed from your CRs. Is the collection updating monthly?
