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Need Help and Advice on this Issue?

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BobbyJ
Frequent Contributor

Need Help and Advice on this Issue?

Hello,
 
I have a collections account from Asset Acceptance on my credit reports in the amount of $73.  I have DV them and got no response and I called them today and they have my case in their bankruptcy dept.
 
I just had my Ch13 BK discharged on 4-17-08.   The problem is that this account was never included in my Bk and I wanted to know should I leave it this way and fight them to correct the balance and past due or should I start with the fact this was never included in my BK?
 
The original date of this item was between 2001 & 2002.
 
What would be the best way to go to handle this?  I need to call Asset back but I dont want to mess things up if they are going to remove this or if they are going to correct this in my favor.
 
Thanks in advance for your advice
Fico 8 Scores: EX: 787 (6/25/21) EQ: 788 (6/12/21) TU: 750 (2/21/21)
Fico 9 Scores: EX: 799 (11/9/20) EQ: 794 (10/13/20)

Ch7 BK Filed on 10/13/2013 - Discharged 1/14/14



Amex Blue Cash Preferred $15K | Amex Gold Card | Citi Costco Visa $7700 | USBank Altitude Go Visa Sig $10K | USBank Cash+ Visa $8K | C1 Savor MC Elite $15K | C1 Venture One $10K | C1 Quicksilver Visa Sig $10K | C1 Quicksilver WMC $10K | Penfed Plat Rewards Visa $9,500 | Penfed Power Cash Rewards Visa $11K | Discover IT $7500 | USAA Pref Rewards Visa $5K | Penfed Path Visa $10K | Logix FCU Plat MC $12K | SDCCU Plat Visa $2,500 | Best Buy Visa $2K | Chase Amazon Prime Visa Sig $500 | Consumers CU Visa Cash Rebate $5K | PNC Points Visa $2500 | JCPenney $1,800 | Abound CU Plat Visa $5K | Lowes $7K | HSN Card $3K | Walmart MasterCard $2K | Walmart Store Card $2K | Kohls $1K | Target Red Card $800 | QVC Card $800
Message 1 of 3
2 REPLIES 2
Anonymous
Not applicable

Re: Need Help and Advice on this Issue?

I would try to get it removed....if you pay it off it will be on there for 7 years...and it will affect your scores tremendously...get it removed and see a boost!!!
Message 2 of 3
BobbyJ
Frequent Contributor

Re: Need Help and Advice on this Issue?

Hey Beta,
 
How would you recommend I try to have it removed?   They are listing it as included in my BK but it never was.
 
Bobby
Fico 8 Scores: EX: 787 (6/25/21) EQ: 788 (6/12/21) TU: 750 (2/21/21)
Fico 9 Scores: EX: 799 (11/9/20) EQ: 794 (10/13/20)

Ch7 BK Filed on 10/13/2013 - Discharged 1/14/14



Amex Blue Cash Preferred $15K | Amex Gold Card | Citi Costco Visa $7700 | USBank Altitude Go Visa Sig $10K | USBank Cash+ Visa $8K | C1 Savor MC Elite $15K | C1 Venture One $10K | C1 Quicksilver Visa Sig $10K | C1 Quicksilver WMC $10K | Penfed Plat Rewards Visa $9,500 | Penfed Power Cash Rewards Visa $11K | Discover IT $7500 | USAA Pref Rewards Visa $5K | Penfed Path Visa $10K | Logix FCU Plat MC $12K | SDCCU Plat Visa $2,500 | Best Buy Visa $2K | Chase Amazon Prime Visa Sig $500 | Consumers CU Visa Cash Rebate $5K | PNC Points Visa $2500 | JCPenney $1,800 | Abound CU Plat Visa $5K | Lowes $7K | HSN Card $3K | Walmart MasterCard $2K | Walmart Store Card $2K | Kohls $1K | Target Red Card $800 | QVC Card $800
Message 3 of 3
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