I have a questions about what to do with Merrick Bank.
I owe them: $235.00
ONRT: April 2022
I reviewed my credit report and it is still reporting a balance and is dinging my credit every month. The account is still currently in the SOL in my state till April. I called today and wanted to ask some questions and PFD. They told me that the account is with an outside agency and they no longer have the account in house. I said really? Cus I don't see anyother CA reporting it other than you guys. She said its an agency call True Accord. I called True Accord and was told by them that, they don't report to CA they are just a 3rd party collections.
So I'm a little confused then. We want to pay it off and be done with the dinging of credit every month. I know it looks just as back by paying it. But will the CA report to Merrick that the account was paid and no longer report. I could not get a clear answer from them. I've seen that Merrick won't ussually do a PFD. So my only choice is to just pay it.
Has anyone had recent history with them? Let me know....
You can make them a pay for not reporting offer.
If they accept, then you have a formal contract agreement that will prevent them from reporting.