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Old 02-17-2014, 04:25 AM   #11
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Mosin, contact a licensed Attorney or Legal Aid Society. The "Free" advise you a receiving is worth just that much.
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Old 02-17-2014, 04:33 AM   #12
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Perhaps just call the agency, explain the situation and offer to pay the $190 if they will remove the bad rating they are creating because of it. That would be a whole lot cheaper than retaining an attorney. I doubt one would even consider it for less than a thousand dollars (and that would be cheap! Remember, you get what you pay for.).
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Old 02-17-2014, 04:44 AM   #13
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Mosin check out the Legal Aid Society chapter in your state.

http://www.legal-aid.org/en/probono/volunteerprobono.aspx


http://www.legal-aid.org/en/probono/volunteerprobono/probonoprojects/civilpractice/consumerlaw.aspx


The Consumer Laws regarding debit collection.

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Old 02-17-2014, 04:47 AM   #14
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the wife had issues with collections not long after we started dating, I didn't know much about it but told her to keep all paperwork she got from any of them. of course after the debt was paid we learned we had more options than we knew we had

she paid one off she knew went into collections & a few months later those scum suckers LVNV Funding sent her a letter saying she owed them the same amount she had paid the other creditor a couple months earlier. she contacted the original debtor plus the collections leeches they sent to her & eventually LVNV gave up & moved on.

contact the original debtor first to see if there's anything that can be done & keep ALL paperwork. if it goes into collections once, you might have 2 or 3 different companies coming after you for the same debt, even after it's paid
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Old 02-17-2014, 05:14 AM   #15
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Clouds on your credit report can be like cockroaches. Squash one and another shows up. Once it goes on the report it can be like a nightmare. You think everything is fine and two years later go to buy a truck and boom, there it is.
Playing the credit score game is one of the reasons I became debt free. Godspeed man, you are going to have to spend some time to work this all out.
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Old 02-17-2014, 07:42 AM   #16
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Default collections agency question...

The power company is the billing party. Only they could report the default to the credit agencies. Call the power company and negotiate a payoff and demand they remove any reference on your credit profile. They don't profit from harming your credit. They just want what's due.

Download the Credit Karma app. It's free and gives you access to your credit history and FICO score.
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Old 02-17-2014, 08:06 AM   #17
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Even threatening letters are a form of harassment. I would report the collections agency just the same. There is enough stress in life without someone dunning you for money you have already paid.
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Old 02-17-2014, 01:47 PM   #18
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Quote:
Originally Posted by MisterMcCool View Post
The power company is the billing party. Only they could report the default to the credit agencies. Call the power company and negotiate a payoff and demand they remove any reference on your credit profile. They don't profit from harming your credit. They just want what's due.

Download the Credit Karma app. It's free and gives you access to your credit history and FICO score.
First of all, thank you all for the advise.

McCool, this is exactly what I did. I told them when they provide me a written document stating that they will remove credit reporting from my credit, i will make the payment just to be done with it.
I know that I have recourse under the soldiers and sailors act, but I'll start with this and see where it goes from there.

I'm a Dave Ramsey fan myself, but I was just wanting to get the good credit score for a home purchase I'm planning on making in the upcoming year.

Again, Thanks for the help and advise.
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Old 02-17-2014, 01:59 PM   #19
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I would freak out on them because if you want to use your VA home loan you cannot have any delinquent payments for the past 12 months or any collections
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Old 02-17-2014, 03:16 PM   #20
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Quote:
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The letter i have says that it was reported to the credit agencies....
What recourse do I have with that?
You are legally entitled to get a free credit report from the big three agencies each year. Get your credit reports, and then file a detailed dispute with the credit agencies. That way you're on record as disputing the issue. That's the starting point to getting it cleared up.
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