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OC is Consumers Enery and they charged off: I owe neither. Before I ever pulled a credit report and knew it was in collections I knew I owed it and sent payment to the
Equifax CR shows ( from my fico) but when I did a debt verificaton on eqifax website it shows LJ Ross, same CA as below.
Collection on debt to:
Consumers Energ
The collection agency "168YC10622" was hired to collect a debt of $294 originally owed to "Consumers Energ" on account number "XXXXXXX".
$294 |
$0 |
Sep, 2009 |
Consumers Energ |
XXXXXXX |
And Trans Union Shows:
Collection on debt to:
Consumers Energy
The collection agency "Lj Ross" was hired to collect a debt of $294 originally owed to "Consumers Energy" on account number "XXXXXXX".
Lj Ross |
$294 |
$0 |
Sep 21, 2009 |
Consumers Energy |
XXXXXXX |
Individual |
Paid collection |
*************************
THIS WAS on Trans Union and was also paid off to OC long ago. This shows on no other report pulled. How should I contact them and what do I say?
Collection on debt to:
Med1 02 Allegan General Hospital
The collection agency "Mnyrcyntnwd" was hired to collect a debt of $100 originally owed to "Med1 02 Allegan General Hospital" on account number "XXXXXX".
Mnyrcyntnwd |
$100 |
$100 |
Jun 02, 2009 |
Med1 02 Allegan General Hospital |
XXXXXX |
Individual |
Placed for collection |
Send a GW to both of them.
Should I state something like:
To whom it may concern,
I paid this debt to Consumers Energy before I noticed you had it in collections. Since it is paid, although not through you, would you mind removing this from all 3 credit reports as a good will measure?
Thanks in advance for your consideration,
xxxxxxx
While I do like them short and sweet, that may be a bit too short. Remember in a GW you are attempting to go against policy, to show a human side.
Hello,
While going over my credit reports, I noticed that you had a listing that has been paid. I ask that you show a gesture of goodwill and remove this posting from my credit report. " put something personal as to why it went into arrears, but keep it short.
I thank you for your time and look forward to hearing from you. Wishing you and yours Happy Holidays... ME.....
ok, I just wants sure since the CA never got paidfrom me , the one still shows a balance of 100.00 and I wasnt sure if I should DV them or GW them!!
Thanks Shogun! I am off to work on 2 more GW letters!