How do you find contact info for collection agencies on credit report?
Q. I have a couple of old (small) collections on my credit report that I'd like to clear up, but it just shows the name of the collection agency and a partial account number. How do I get contact and account information for these collection agencies so I can find out more information on these debts and pay them off or dispute them as needed? Would the credit reporting agencies have this information? Thanks for any help!
Asked by Korina - Fri Nov 7 10:35:38 2008 - - 3 Answers - 0 Comments
A. I recently pulled my credit reports and it shows any accounts that went into collections/late payments within the first third of the report. It will list the OC or CA, the account number, and mailing address for each OC/CA. The bureaus will have this information as well.
Answered by Spartan - Fri Nov 7 10:45:49 2008
Q. I have a couple of old (small) collections on my credit report that I'd like to clear up, but it just shows the name of the collection agency and a partial account number. How do I get contact and account information for these collection agencies so I can find out more information on these debts and pay them off or dispute them as needed? Would the credit reporting agencies have this information? Thanks for any help!
Asked by Korina - Fri Nov 7 10:35:38 2008 - - 3 Answers - 0 Comments
A. I recently pulled my credit reports and it shows any accounts that went into collections/late payments within the first third of the report. It will list the OC or CA, the account number, and mailing address for each OC/CA. The bureaus will have this information as well.
Answered by Spartan - Fri Nov 7 10:45:49 2008
Contact information for collection agencies is invalid on my credit report. How do I resolve the disputes?
Q. I got a copy of my credit report and sent letters to the various collection agencies asking for them to verify my debt. Three of the letters came back as undeliverable. I would like to start repairing my credit but since the addresses are no longer valid, what should I do next? I don't want to send money to agencies that no longer exist/own my debt.
Asked by what's the point - Sat Oct 13 11:32:49 2007 - - 8 Answers - 0 Comments
A. write the credit reporting agencies, telling them that the address came back undeliverable (make a copy of the envelope) and ask them to remove it because they are unverifiable and therefore you cannot validate the debt. creditinfocenter com budhibbs com
Answered by Ask M - Sat Oct 13 13:42:35 2007
Q. I got a copy of my credit report and sent letters to the various collection agencies asking for them to verify my debt. Three of the letters came back as undeliverable. I would like to start repairing my credit but since the addresses are no longer valid, what should I do next? I don't want to send money to agencies that no longer exist/own my debt.
Asked by what's the point - Sat Oct 13 11:32:49 2007 - - 8 Answers - 0 Comments
A. write the credit reporting agencies, telling them that the address came back undeliverable (make a copy of the envelope) and ask them to remove it because they are unverifiable and therefore you cannot validate the debt. creditinfocenter com budhibbs com
Answered by Ask M - Sat Oct 13 13:42:35 2007
Can the same unpaid debt from two different collection agencies remain on my credit report?
Q. If you have an unpaid debt that is sold to a collection agency who then sells it to another collection agency should both collection agencies for the same debt remain on my credit report or should only the last collection agency to buy the account be on my credit report? Is this not considered a duplicate account since it is the same debt althought it's with two different agencies? OR Is each collection agency allowed to report the exact same debt being that it was sold to them from a prior collection agency which is also on the credit report?
Asked by the king7 - Wed May 14 12:22:20 2008 - - 4 Answers - 0 Comments
A. The only person who can post to your credit report is the person with the legal right to collect it. Therefore, duplicate listings must be deleted. Many times these creditors will send your debt to an agency...and after a while if no responses they will pass it to another agency. The result is both agencies posting to your report. Send a dispute letter to the credit bureau, and validation demand letters to the creditors.
Answered by Studly - Wed May 14 14:26:12 2008
Q. If you have an unpaid debt that is sold to a collection agency who then sells it to another collection agency should both collection agencies for the same debt remain on my credit report or should only the last collection agency to buy the account be on my credit report? Is this not considered a duplicate account since it is the same debt althought it's with two different agencies? OR Is each collection agency allowed to report the exact same debt being that it was sold to them from a prior collection agency which is also on the credit report?
Asked by the king7 - Wed May 14 12:22:20 2008 - - 4 Answers - 0 Comments
A. The only person who can post to your credit report is the person with the legal right to collect it. Therefore, duplicate listings must be deleted. Many times these creditors will send your debt to an agency...and after a while if no responses they will pass it to another agency. The result is both agencies posting to your report. Send a dispute letter to the credit bureau, and validation demand letters to the creditors.
Answered by Studly - Wed May 14 14:26:12 2008
The original creditor deleted my debt but not one of the collection agencies. What do I do?
Q. I recently disputed an item on my Transunion report. The original creditor deleted it and 1 of the 2 collection agencies collecting for that same debt, deleted it as well. The second collection agency didn't delete it. Can they still do that even though the original creditor deleted it? Is there a letter I can send?
Asked by Party G - Wed Jun 4 11:42:39 2008 - - 5 Answers - 0 Comments
A. Demand that they validate the debt. Write them a demand letter. Tell them that the original creditor removed the challenged item from your credit report, because it did not belong there. Demand that they do the same. Cite the Fair Debt Collection Practices Act ( FDCPA ). Under the FDCPA, collection agencies must remove debts from the credit reports, if they are unable to validate them. This means that they have to prove the validity of: 1.The original obligation (which may be hard to do, if the original creditor chose to delete the debt from the report itself) 2.The transfer of the right to collect the debt to them. It is highly unlikely that they will be able to do that, if the original creditor chose not to prove the debt… [cont.]
Answered by blogcounsel - Wed Jun 4 12:09:49 2008
Q. I recently disputed an item on my Transunion report. The original creditor deleted it and 1 of the 2 collection agencies collecting for that same debt, deleted it as well. The second collection agency didn't delete it. Can they still do that even though the original creditor deleted it? Is there a letter I can send?
Asked by Party G - Wed Jun 4 11:42:39 2008 - - 5 Answers - 0 Comments
A. Demand that they validate the debt. Write them a demand letter. Tell them that the original creditor removed the challenged item from your credit report, because it did not belong there. Demand that they do the same. Cite the Fair Debt Collection Practices Act ( FDCPA ). Under the FDCPA, collection agencies must remove debts from the credit reports, if they are unable to validate them. This means that they have to prove the validity of: 1.The original obligation (which may be hard to do, if the original creditor chose to delete the debt from the report itself) 2.The transfer of the right to collect the debt to them. It is highly unlikely that they will be able to do that, if the original creditor chose not to prove the debt… [cont.]
Answered by blogcounsel - Wed Jun 4 12:09:49 2008
Why do people always put down collection agencies?
Q. If it weren't for collection agencies, every company would probably be bankrupt by now. So, why do debtors get defensive and act like they are too good to speak to the collection agency when the creditor sent them there in the first place? Also, they are debtors, you don't see too many people giving the debtor a hard time for not paying there bills. Why is that?
Asked by vsweety - Sat Dec 8 14:17:17 2007 - - 1 Answers - 0 Comments
A. Honest people who arent trying to cheat out of their debt are probably stressed because they KNOW they owe money, and are probably trying to scramble together their money to make all ends meet, and see the collection agency as just another reminder of the bad times they are already facing... Those trying to cheat the system are a completely different story.
Answered by confused - Sat Dec 8 14:28:05 2007
Q. If it weren't for collection agencies, every company would probably be bankrupt by now. So, why do debtors get defensive and act like they are too good to speak to the collection agency when the creditor sent them there in the first place? Also, they are debtors, you don't see too many people giving the debtor a hard time for not paying there bills. Why is that?
Asked by vsweety - Sat Dec 8 14:17:17 2007 - - 1 Answers - 0 Comments
A. Honest people who arent trying to cheat out of their debt are probably stressed because they KNOW they owe money, and are probably trying to scramble together their money to make all ends meet, and see the collection agency as just another reminder of the bad times they are already facing... Those trying to cheat the system are a completely different story.
Answered by confused - Sat Dec 8 14:28:05 2007
Is there any safe place to invest money that cannot be grabbed by collection agencies?
Q. Other than putting cash under my mattress, is there a way to invest money without the risk of collection agencies and collection lawyers getting it?
Asked by elydane - Sun Mar 22 11:50:12 2009 - - 2 Answers - 0 Comments
A. Your retirement (401k, IRA) accounts are safe from creditors. You could increase your contributions to those accounts.
Answered by Lauren F - Sun Mar 22 13:58:22 2009
Q. Other than putting cash under my mattress, is there a way to invest money without the risk of collection agencies and collection lawyers getting it?
Asked by elydane - Sun Mar 22 11:50:12 2009 - - 2 Answers - 0 Comments
A. Your retirement (401k, IRA) accounts are safe from creditors. You could increase your contributions to those accounts.
Answered by Lauren F - Sun Mar 22 13:58:22 2009
If i want to clean up my credit should i start by sending in small payments to collection agencies?
Q. I have horrible credit with a score of 510. I have alot of things in collection agencies. What should ido first. I have a recent copy of my credit report
Asked by thinline - Thu Aug 13 13:42:18 2009 - - 6 Answers - 0 Comments
Q. I have horrible credit with a score of 510. I have alot of things in collection agencies. What should ido first. I have a recent copy of my credit report
Asked by thinline - Thu Aug 13 13:42:18 2009 - - 6 Answers - 0 Comments
How many years/months do the collection agencies normally try to call people to pay for debt before they stop?
Q. What happens after the collection agencies stop trying to collect money from people that owe debt?
Asked by . - Sun Jun 1 23:59:40 2008 - - 4 Answers - 0 Comments
A. The calls can go on for years. Also consider that some collection agencies sell to others, so you could have multiple contacts in this timeframe from several agencies. After they stop calling you will get a notice in the mail that they are taking you to court. It is for a money judgement. This judgement will be placed on your credit and could lead to: - Lien placed on your home. - Wage garnishments. - Seizure of funds from savings and checking accounts. (this needs to be awarded by the court) Good luck
Answered by jpocia03 - Mon Jun 2 00:10:23 2008
Q. What happens after the collection agencies stop trying to collect money from people that owe debt?
Asked by . - Sun Jun 1 23:59:40 2008 - - 4 Answers - 0 Comments
A. The calls can go on for years. Also consider that some collection agencies sell to others, so you could have multiple contacts in this timeframe from several agencies. After they stop calling you will get a notice in the mail that they are taking you to court. It is for a money judgement. This judgement will be placed on your credit and could lead to: - Lien placed on your home. - Wage garnishments. - Seizure of funds from savings and checking accounts. (this needs to be awarded by the court) Good luck
Answered by jpocia03 - Mon Jun 2 00:10:23 2008
Collection agencies keep calling me looking for someone else - how can I get them to stop?
Q. I keep getting phone calls from collection agencies asking for a woman that I don't know and who has never lived at my address. When I looked her up on the internet, she has an address and a phone number (that's NOTHING close to mine, BTW). I've told the SAME company they have the wrong number and they still keep calling - it's starting to feel like harrassment. When the agency called last night I told them they had the wrong number and that they could look her up. They said that if I gave them her number then they'd stop calling me! Wait, it gets better . . . I said wait a minute, let me fire up my computer to look her up and give you the number and the collection agency lady said, "Madam, I don't have that kind of time to wait on the… [cont.]
Asked by Portia Panther - Fri Sep 1 15:28:27 2006 - - 9 Answers - 0 Comments
A. Call the company, ask for a supervisor and explain the situation. Ask for the supervisors name and tell him/her that you are documenting the conversation, time and date and let them know you are for the final time, asking them to not call you again as they have the wrong person. Tell them, if the calls continue, you will seek the advise of an attourney...
Answered by I love the flipflops - Mon Sep 4 00:10:43 2006
Q. I keep getting phone calls from collection agencies asking for a woman that I don't know and who has never lived at my address. When I looked her up on the internet, she has an address and a phone number (that's NOTHING close to mine, BTW). I've told the SAME company they have the wrong number and they still keep calling - it's starting to feel like harrassment. When the agency called last night I told them they had the wrong number and that they could look her up. They said that if I gave them her number then they'd stop calling me! Wait, it gets better . . . I said wait a minute, let me fire up my computer to look her up and give you the number and the collection agency lady said, "Madam, I don't have that kind of time to wait on the… [cont.]
Asked by Portia Panther - Fri Sep 1 15:28:27 2006 - - 9 Answers - 0 Comments
A. Call the company, ask for a supervisor and explain the situation. Ask for the supervisors name and tell him/her that you are documenting the conversation, time and date and let them know you are for the final time, asking them to not call you again as they have the wrong person. Tell them, if the calls continue, you will seek the advise of an attourney...
Answered by I love the flipflops - Mon Sep 4 00:10:43 2006
Why are my bills in collection agencies not showing up on my credit report?
Q. Half of my medical bills were sold to collection agencies. I started getting letters and phone calls last fall. I have an account at freecreditreport.com. So far, only one of my bills in collections is showing up...Have the rest not been reported yet?
Asked by Em S - Sat Apr 25 21:18:34 2009 - - 4 Answers - 0 Comments
A. redit repair work d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - freecreditreport.sinfree. net
Answered by unknown - Mon Apr 27 17:38:16 2009
Q. Half of my medical bills were sold to collection agencies. I started getting letters and phone calls last fall. I have an account at freecreditreport.com. So far, only one of my bills in collections is showing up...Have the rest not been reported yet?
Asked by Em S - Sat Apr 25 21:18:34 2009 - - 4 Answers - 0 Comments
A. redit repair work d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - freecreditreport.sinfree. net
Answered by unknown - Mon Apr 27 17:38:16 2009
Do credit agencies have to remove any collection accounts that have been paid if a person has paid.?
Q. I have letters stating that these are paid in full or settled for a certain amount. How long do collection agencies get to update information? Don't the big 3 ( Transunion,Equifax,Experi an) have to delete any information that is not accurate?
Asked by mysery0125 - Wed Apr 2 21:13:22 2008 - - 5 Answers - 0 Comments
A. No, they do not have to remove the listing, which is why it's important to get a pay for delete agreement in writing before you give them money. All they are required to do is show "paid" or "settled" on your credit report. Negative marks may stay 7 years from date of first delinquency.
Answered by Crazyjester9 - Wed Apr 2 21:19:50 2008
Q. I have letters stating that these are paid in full or settled for a certain amount. How long do collection agencies get to update information? Don't the big 3 ( Transunion,Equifax,Experi an) have to delete any information that is not accurate?
Asked by mysery0125 - Wed Apr 2 21:13:22 2008 - - 5 Answers - 0 Comments
A. No, they do not have to remove the listing, which is why it's important to get a pay for delete agreement in writing before you give them money. All they are required to do is show "paid" or "settled" on your credit report. Negative marks may stay 7 years from date of first delinquency.
Answered by Crazyjester9 - Wed Apr 2 21:19:50 2008
Can collection agencies call me after I requested them to contact me in writing only?
Q. If I send a collection agency a registered letter requesting them to contact me in writing only and not call my house or place of business anymore, do they have to honor that request? Also, if they do call and a family member answers the phone, can they tell that family member about the debt the are trying to collect? Thanks for all answers.
Asked by seeingred - Wed Nov 19 11:22:28 2008 - - 4 Answers - 0 Comments
A. No they can not call you and they sure can not talk to anybody but you regarding the debt. Next time they call inform them they have violated the FDCPA as per the following: 15 U.S.C. 1692-1692p 805. Communication in connection with debt collection: (c) ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except (1) to advise the consumer that the debt collector s further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified… [cont.]
Answered by Sgt Big Red - Wed Nov 19 12:14:53 2008
Q. If I send a collection agency a registered letter requesting them to contact me in writing only and not call my house or place of business anymore, do they have to honor that request? Also, if they do call and a family member answers the phone, can they tell that family member about the debt the are trying to collect? Thanks for all answers.
Asked by seeingred - Wed Nov 19 11:22:28 2008 - - 4 Answers - 0 Comments
A. No they can not call you and they sure can not talk to anybody but you regarding the debt. Next time they call inform them they have violated the FDCPA as per the following: 15 U.S.C. 1692-1692p 805. Communication in connection with debt collection: (c) ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except (1) to advise the consumer that the debt collector s further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified… [cont.]
Answered by Sgt Big Red - Wed Nov 19 12:14:53 2008
Can collection agencies still collect on a debt the original creditor removed from my credit?
Q. I disputed an item on my credit and the original creditor agreed to remove the trade line from my credit report. Can the collection agency legally still try to collect even though the original creditor has already had the trade-line removed? The collection agency said that the reason it got removed by the original creditor is because they sold the account to them, so whether or not they remove it doesn't matter to the collection agency.
Asked by Lp - Tue Sep 1 16:17:04 2009 - - 4 Answers - 0 Comments
Q. I disputed an item on my credit and the original creditor agreed to remove the trade line from my credit report. Can the collection agency legally still try to collect even though the original creditor has already had the trade-line removed? The collection agency said that the reason it got removed by the original creditor is because they sold the account to them, so whether or not they remove it doesn't matter to the collection agency.
Asked by Lp - Tue Sep 1 16:17:04 2009 - - 4 Answers - 0 Comments
How long can collection agencies try to collect on credit card debts?
Q. I had an old credit card debt from ten years ago. My husband died and I could not pay it . It was not a large amount. About 400. I am confused. I thought tha I was told that it would be listed by the company as "written off" debt which meant it was gone. Now a collection agency is calling.
Asked by Ray K - Thu Aug 16 16:14:42 2007 - - 8 Answers - 0 Comments
A. SCH is correct. People tend to get time-lines confused. Bad credit can show on your credit report for 7-years. But collection companies can try to collect forever. Your States statute of limitations laws will prevent them form taking you to court if the S.O.L. has expired, but it will not keep them from trying. Check out what the S.O.L. is for your State and if it is expired, the next time they contact you tell them to pound sand. There is nothing they can legally do to you.
Answered by unknown - Thu Aug 16 17:05:53 2007
Q. I had an old credit card debt from ten years ago. My husband died and I could not pay it . It was not a large amount. About 400. I am confused. I thought tha I was told that it would be listed by the company as "written off" debt which meant it was gone. Now a collection agency is calling.
Asked by Ray K - Thu Aug 16 16:14:42 2007 - - 8 Answers - 0 Comments
A. SCH is correct. People tend to get time-lines confused. Bad credit can show on your credit report for 7-years. But collection companies can try to collect forever. Your States statute of limitations laws will prevent them form taking you to court if the S.O.L. has expired, but it will not keep them from trying. Check out what the S.O.L. is for your State and if it is expired, the next time they contact you tell them to pound sand. There is nothing they can legally do to you.
Answered by unknown - Thu Aug 16 17:05:53 2007
How do I go about asking the collection agencies to pay off my debt?
Q. I only want to pay pennies to dollars. Think about it, I am willing to pay but not all those fees added or could there be a simple way of asking to pay off a debt cheaper than what they want?? For example my phone bill went to the collection agency 3 years ago They want $500 (I initially only owe $290) I am willing to pay $300.Any clever way of asking to reduce my debt??
Asked by Beep B - Tue Apr 1 14:52:49 2008 - - 5 Answers - 0 Comments
A. Actually, a 3 year old phone bill could probably be settled for a lot less than $300. Send the collection agency a letter. Be very careful not to acknowledge the debt (you could reset the Statute of Limitations (SOL), the timeframe to bring lawsuit). Literally say "this is not an acknowledgment of this debt". Indicate that you would like to expedite removal of this derogatory item on your credit report and are willing to pay $125 if they will delete the item from your credit report. If this settlement is acceptable, have an authorized agent of the collection agency sign and return of copy of the letter to you. Upon receipt of their acceptance, you will send payment. They may give you a counter offer. Just make sure you have… [cont.]
Answered by bdancer222 - Tue Apr 1 15:05:04 2008
Q. I only want to pay pennies to dollars. Think about it, I am willing to pay but not all those fees added or could there be a simple way of asking to pay off a debt cheaper than what they want?? For example my phone bill went to the collection agency 3 years ago They want $500 (I initially only owe $290) I am willing to pay $300.Any clever way of asking to reduce my debt??
Asked by Beep B - Tue Apr 1 14:52:49 2008 - - 5 Answers - 0 Comments
A. Actually, a 3 year old phone bill could probably be settled for a lot less than $300. Send the collection agency a letter. Be very careful not to acknowledge the debt (you could reset the Statute of Limitations (SOL), the timeframe to bring lawsuit). Literally say "this is not an acknowledgment of this debt". Indicate that you would like to expedite removal of this derogatory item on your credit report and are willing to pay $125 if they will delete the item from your credit report. If this settlement is acceptable, have an authorized agent of the collection agency sign and return of copy of the letter to you. Upon receipt of their acceptance, you will send payment. They may give you a counter offer. Just make sure you have… [cont.]
Answered by bdancer222 - Tue Apr 1 15:05:04 2008
How do i know the collection agencies calling me are for real?
Q. So I've been checking up on some collection agency scams online and now don't know if the ones I'm dealing with are for real. How can I make sure I'm dealing with a real agency and not just someone trying to rip me off? And more importantly am getting my debts paid off. Thank you.
Asked by SW - Tue Feb 5 17:51:17 2008 - - 3 Answers - 0 Comments
A. When contacted by a collection agency it is your legal right to request Proof of Debt. This means they must contact the original creditor and receive the application and bill from the amount outstanding. Many legitimate collectors will either take your request by phone or request that you send your request to them in writing. I make a habit of always asking for proof especially with medical bills because errors in billing are so common.
Answered by Gem - Tue Feb 5 17:56:49 2008
Q. So I've been checking up on some collection agency scams online and now don't know if the ones I'm dealing with are for real. How can I make sure I'm dealing with a real agency and not just someone trying to rip me off? And more importantly am getting my debts paid off. Thank you.
Asked by SW - Tue Feb 5 17:51:17 2008 - - 3 Answers - 0 Comments
A. When contacted by a collection agency it is your legal right to request Proof of Debt. This means they must contact the original creditor and receive the application and bill from the amount outstanding. Many legitimate collectors will either take your request by phone or request that you send your request to them in writing. I make a habit of always asking for proof especially with medical bills because errors in billing are so common.
Answered by Gem - Tue Feb 5 17:56:49 2008
How do debt collection agencies find you if you move house?
Q. My partner owes a small amount of money from about 6 years ago. i met him 2 years ago and he has moved house 3 times since then. We now live together and a debt collection agency has managed to track him now. He's agreed a payment plan but I'm intrigued as to how they managed to find him. He hasnt been on an electoral role for 5 years so it wasnt from that.
Asked by Julia - Thu Jun 26 08:48:15 2008 - - 13 Answers - 0 Comments
A. Hi Anon, They would access other databases (illegally of course). Their main way is by name and date of birth. If he has bought anything or done anything thats puts him on a data base at this address then that will be enough. Strangely, I have moved twice this year and this morning received a debt letter from Orange, They have been chasing this amount (which I don't actually owe) for 3 years now. It's a shame your partner contacted them and agreed a payment plan as they legally cannot collect a debt over 6 years old.
Answered by Olympicles - Thu Jun 26 09:01:17 2008
Q. My partner owes a small amount of money from about 6 years ago. i met him 2 years ago and he has moved house 3 times since then. We now live together and a debt collection agency has managed to track him now. He's agreed a payment plan but I'm intrigued as to how they managed to find him. He hasnt been on an electoral role for 5 years so it wasnt from that.
Asked by Julia - Thu Jun 26 08:48:15 2008 - - 13 Answers - 0 Comments
A. Hi Anon, They would access other databases (illegally of course). Their main way is by name and date of birth. If he has bought anything or done anything thats puts him on a data base at this address then that will be enough. Strangely, I have moved twice this year and this morning received a debt letter from Orange, They have been chasing this amount (which I don't actually owe) for 3 years now. It's a shame your partner contacted them and agreed a payment plan as they legally cannot collect a debt over 6 years old.
Answered by Olympicles - Thu Jun 26 09:01:17 2008
Why do consumers beat up on collection agencies so much?
Q. Why do consumers beat up on collection agencies so much when it was the creditor who put the consumer in collections?
Asked by vsweety - Sun Jun 22 12:14:09 2008 - - 7 Answers - 0 Comments
A. Usually, when people have accounts in collections, they don't have great character. Obviously there are people that mistakenly got into some credit and debt problems, but the majority of people that have accounts that go into collections are repeat offenders. For those that don't have it happen to repeatedly, they may dislike the collection agencies because they seem to call during the time your spending with your family, and they seem to call daily hounding you and hounding you for their money. I also think that collection agencies tend to have no sympathy for those people that are paying multiple multiple bills and truly do not have the money at that point in time to pay their bills.
Answered by Lo 989 - Sun Jun 22 12:42:42 2008
Q. Why do consumers beat up on collection agencies so much when it was the creditor who put the consumer in collections?
Asked by vsweety - Sun Jun 22 12:14:09 2008 - - 7 Answers - 0 Comments
A. Usually, when people have accounts in collections, they don't have great character. Obviously there are people that mistakenly got into some credit and debt problems, but the majority of people that have accounts that go into collections are repeat offenders. For those that don't have it happen to repeatedly, they may dislike the collection agencies because they seem to call during the time your spending with your family, and they seem to call daily hounding you and hounding you for their money. I also think that collection agencies tend to have no sympathy for those people that are paying multiple multiple bills and truly do not have the money at that point in time to pay their bills.
Answered by Lo 989 - Sun Jun 22 12:42:42 2008
Am I better off paying old medical bills directly to the doctors or to the collection agencies?
Q. I have some old medical bills that have gone to a collections agency. I have recently gotten into a position where I can pay the bills off, but should I pay the hospital & doctors directly or send the money to the collection agency? I would rather pay the doctors & hospital since I may need to use them again, but don't want to leave the old bills on my credit report. What is the best way to pay these bills?
Asked by Claire M - Thu Jul 10 18:17:35 2008 - - 5 Answers - 0 Comments
A. the agency. i'm going through this myself. once its paid it will reflect that you paid it although late. i've had two agencies out of ten report paid on time just like it never went to collections. once in a while you'll find some willing to do that. it doesn't hurt to ask.
Answered by Prometheus - Thu Jul 10 18:27:33 2008
Q. I have some old medical bills that have gone to a collections agency. I have recently gotten into a position where I can pay the bills off, but should I pay the hospital & doctors directly or send the money to the collection agency? I would rather pay the doctors & hospital since I may need to use them again, but don't want to leave the old bills on my credit report. What is the best way to pay these bills?
Asked by Claire M - Thu Jul 10 18:17:35 2008 - - 5 Answers - 0 Comments
A. the agency. i'm going through this myself. once its paid it will reflect that you paid it although late. i've had two agencies out of ten report paid on time just like it never went to collections. once in a while you'll find some willing to do that. it doesn't hurt to ask.
Answered by Prometheus - Thu Jul 10 18:27:33 2008
Is it possible that collection agencies report to all 3 credit bureaus at the different times.?
Q. I recently sent a goodwill letter to a collection agency (Van Ru Credit Corp) and to the original creditor(Con Edison) to have a paid collection deleted from all 3 of my credit reports. I had an inquiry(Experian) from the collection agency and then a few days later the collection account was deleted from 1 of my reports(Experian again). Is there any chance that Van Ru Credit Corp will delete the accounts from the other 2 credit reports(Transunion and Equifax) anytime soon?
Asked by BSMNYC - Wed Apr 16 21:12:56 2008 - - 3 Answers - 0 Comments
A. Yeah,there is a chance, but I don't think so. They may but it is definitely on them. If you challenge them via personally or via a credit repair agency,they are supposed to get back to you and give you an answer within 30-45 days I think, or they will have to delete that information off of the credit report. So, basically you will have to dispute it on the other two agency.
Answered by DAS - Wed Apr 16 21:31:04 2008
Q. I recently sent a goodwill letter to a collection agency (Van Ru Credit Corp) and to the original creditor(Con Edison) to have a paid collection deleted from all 3 of my credit reports. I had an inquiry(Experian) from the collection agency and then a few days later the collection account was deleted from 1 of my reports(Experian again). Is there any chance that Van Ru Credit Corp will delete the accounts from the other 2 credit reports(Transunion and Equifax) anytime soon?
Asked by BSMNYC - Wed Apr 16 21:12:56 2008 - - 3 Answers - 0 Comments
A. Yeah,there is a chance, but I don't think so. They may but it is definitely on them. If you challenge them via personally or via a credit repair agency,they are supposed to get back to you and give you an answer within 30-45 days I think, or they will have to delete that information off of the credit report. So, basically you will have to dispute it on the other two agency.
Answered by DAS - Wed Apr 16 21:31:04 2008
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