So, I've been going back and forth with these clowns on a Comenity acct. I offered $217 they countered with $304, total balance $434. To avoid this account popping up on my CRs, I mailed the payment of $304 on Friday CMRRR. They will get it in no more than 1-2 days, geographically. They gave me until September 20th. Today, I pulled my CRs to see what's what and low and behold the bleeps reported the account to EX, only. I'm so pissed right now! My EX score went from 617 to 604. I was on my way and now this!
Now, how do I get them OFF!!!!
Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
No, they didn't agree to anything. It just seems shady to wait 60 days to report! My mistake...contacting them tipped them off.
Okay, thanks I will. When I mailed the payment, I also mailed a GW to Comenity with a copy of the payment. I'm just upset because from what I've read on the forum a paid/settled COL is read the same as an unpaid COL. I want PRA to remove it.
I'm just mad with myself...I didn't pay attention to the fact that they were not reporting. Maybe I could've avoided them reporting, if I never made contact and just paid it??? They dunned me in July. I sent PFD letters in August they countered and next thing you know they are on my CR.
I opted not to DV because it's w/in the SOL. I guess you take your chances. Risk being sued or having an unreported COL reported. Its paid and done. Hopefully, Comenity will receive my GW well. I asked them to delete, update to PIF and remove adverse marks or reopen the TL. I plan to redirect my energy from being upset to clearing the rest of my baddies.